Legal notice

Mesterheide Rockel Hirz Trowe AG Holding is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-B98C-44E0Z-94. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: frankfurt-main.ihk.de

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.:  +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59–68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Insurance Brokers GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-WTGJ-3QB5O-90. The responsible supervisory authority is the International Chamber of Industry and Commerce (IHK) Limburg, Walderdorffstr. 7, 65549 Limburg, Internet: http://www.ihk-limburg.de

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.:  +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Benefits & Pensions GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-58SO-LQABB-19 The responsible supervisory authority is the International Chamber of Industry and Commerce (IHK) Limburg, Walderdorffstr. 7, 65549 Limburg, Internet: http://www.ihk-limburg.de

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.:  +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Information on Article 3 of the Transparency Ordinance (Transparency in strategies for dealing with sustainability risks)

When selecting insurance companies and insurance products we take into account the information provided by the insurers.
We do not offer insurers who have no discernible strategy for the inclusion of sustainability risks in their investment decisions. Within the framework of individual consultation that takes place in the interest of the client we point out whether consideration of the sustainability risks in the investment decision involves discernible advantages or disadvantages for the particular client. The preliminary information of the respective insurer includes information about the consideration of sustainability risks in investment decisions. In case of questions the client should feel free to contact us before concluding the policy.

Information about Article 4 Para. 5 of the Transparency Ordinance (Detrimental sustainability effects at the enterprise level)

In the framework of consultation the most important unfavorable effects of investment decisions on sustainability factors of the financial market participant (insurer) are taken into account only to a limited extent. Consideration of these factors is based on the information provided by the insurance companies. The agent is not responsible for the correctness of this information. Due to the currently limited information from the insurers these aspects currently are not considered in the consultation on a standard basis. At the special request of the client they can be taken into account on the basis of the currently available information. They will be considered on a standard basis in the event of a more extensive market offering in the future.

Information about Article 5 Para. 5 of the Transparency Ordinance (Transparency of remuneration policy in connection with the consideration of sustainability risks)

Remuneration for the negotiation of insurance policies is not based on the sustainability risks that are associated with the investments. This means in particular that the amount of remuneration for the product is not affected positively or negatively by the sustainability risks of the investment.

Information about Article 6 Para. 2 of the Transparency Ordinance (Transparency in the consideration of sustainability risks)

In our consultation concerning insurance-based investment products, private pension contracts and retirement plans we do not consider sustainability risks to be relevant, since they have already been taken into account by the insurer and are described in his preliminary information. Individual consideration by the agent (as a financial consultant in accordance with the Transparency Ordinance) is therefore not generally given (but is possible at the request of the client).

MRH Trowe Credit & Finance GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-NVW7-O2GGX-27. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: frankfurt-main.ihk.de

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

MRH Trowe Credit & Finance GmbH is a registered loan broker with a licence in accordance with § 34c (1) of the Trade, Commerce and Industry Regulation Act. The competent supervisory authority is the City of Frankfurt am Main, Ordnungsamt, Kleyerstraße 86, 60326 Frankfurt am Main.

Professional regulations
§ 34 c Trade, Commerce and Industry Regulation Act (GewO)
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe Financial Lines GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-MH5S-21URD-32 The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: frankfurt-main.ihk.de

The entry in the Intermediary Register can be checked at:
German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH TROWE Insurance Brokers for Architects & Engineers GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-04CN-OOIXO-01 The responsible supervisory authority is the Chamber for Industry and Commerce for Munich and Upper Bavaria (IHK für München und Oberbayern), Max-Joseph-Straße 2, 80333 München, Internet: ihk-muenchen.de

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.:  +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

M.A.R.K. med Insurance Broker GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-QC8Q-Z1A5Q-38 The responsible supervisory authority is the Chamber for Industry and Commerce for Munich and Upper Bavaria (IHK für München und Oberbayern), Max-Joseph-Straße 2, 80333 München, Internet: ihk-muenchen.de

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 0180 600 585 0*
* 0.20 €/call from the German landline network, mobile prices maximum 0.60 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e.V.
P.O. Box 080632
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman Private Health and Long-Term Care Insurance (Ombudsmann Private Kranken- und Pflegeversicherung
Kronenstrasse 13
10117 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH TROWE Global Insurance Broker GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-4PFN-VNEHT-14 The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: frankfurt-main.ihk.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% in the voting rights or capital of an insurance company; SV SparkassenVersicherung AG Holding holds a direct interest of more than 10% of the voting rights or capital of MRH TROWE Global Versicherungsmakler GmbH.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe NordWest GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-2IYO-CALFF-30. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Nord Westfalen, Sentmaringer Weg 61, 48151 Münster, Internet: https://ihk-nordwestfalen.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% in the voting rights or capital of an insurance company; Provinzial NordWest Beteiligungsgesellschaft mbH holds a direct interest of more than 10% of the voting rights or capital of MRH Trowe NordWest GmbH.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)
The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.
Our email address is: info@mrh-trowe.com

Complaint management
If you have any complaints about our activities, please contact our complaints office:
Email: beschwerde@mrh-trowe.com
Phone: +49 (0) 6631 91 145-0

MRH Trowe Private Clients GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-7164-53TRN-94. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK), Walderdorffstr. 7, 65549 Limburg, Internet: http://www.ihk-limburg.de

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% in the voting rights or capital of an insurance company; Provinzial NordWest Beteiligungsgesellschaft mbH holds a direct interest of more than 10% of the voting rights or capital of MRH Trowe NordWest GmbH.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

360gradmanagerschutz GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-6F0H-XT29R-57. The competent supervisory authority is Hamburg Chamber of Commerce (HK Hamburg), Adolphsplatz 1, 20457 Hamburg, Internet http://www.hk24.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MRH Trowe & Lurse GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-ZVJG-GW2L0-69 The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: frankfurt-main.ihk.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

MDT Travel Broker GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-FIBP-3480D-50. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: frankfurt-main.ihk.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

G. Beyer Versicherungsmakler GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-AAY4-FYDUU-69. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Munich, Max-Joseph-Straße 2, 80333 München, Internet: ihk-muenchen.de

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Harald Schwardt Versicherungsmakler GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-ADK1-RCIVQ-37. The responsible supervisory authority is the Chamber of Industry and Commerce IHK Düsseldorf, Ernst-Schneider-Platz 1, 40212 Düsseldorf, Internet: duesseldorf.ihk.de

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Wirtschafts-Assekuranz-Makler Chemnitz GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-074M-I6HP5-11. The responsible supervisory authority is the Chamber of Industry and Commerce IHK Chemnitz, Straße der Nationen 25, 09111 Chemnitz, Internet: chemnitz.ihk24.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

fivers Versicherungsmakler GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-074M-I6HP5-11. The responsible supervisory authority is the Chamber of Industry and Commerce IHK Karlsruhe, Lammstr. 13-17, 76133 Karlsruhe, Internet: karlsruhe.ihk.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

KVM Kulmbacher Versicherungsmakler GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-T12R-1GHI9-13. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Munich, Max-Joseph-Straße 2, 80333 München, Internet: ihk-muenchen.de

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

EKB Versicherungsmakler AG is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-B6P1-RZLZS-38. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt am Main, Internet: http://www.ihk-frankfurt.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Joachim Anthes Versicherungsmakler GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-RDSS-CETSY-52. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Offenbach am Main, Frankfurter Str. 90, 63067 Offenbach am Main, Internet: http://www.ihk-offenbach.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

ITUS GmbH Versicherungsmakler is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-Q04R-KKZV8-40. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Karlsruhe, Lammstr. 13-17, 76133 Karlsruhe, Internet: karlsruhe.ihk.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

AdVertum AG Versicherungsmakler is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-RVU6-ZN9BF-44. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Stuttgart, Jägerstr. 30, 70174 Stuttgart, Internet: stuttgart.ihk.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Sportvers GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number D-EQ2P-L7AHA-51. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Reutlingen, Hindenburgstr. 54, 72762 Reutlingen, Internet: www.reutlingen.ihk.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Kolb & Bär Versicherungs- und Finanzmakler GmbH is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number . The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) München and Oberbayern, Max-Joseph-Str. 2, 80333 München, Internet: http://www.ihk-muenchen.de

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

STADLER GmbH Finanz- & Assekuranzmakler is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34 d paragraph 1 of the Trade, Commerce and Industry Regulation Act and register number DE189559987. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) München and Oberbayern, Max-Joseph-Str. 2, 80333 München, Internet: http://www.ihk-muenchen.de

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Helmig & Partner GmbH & Co. KG is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-20IT-4XGDG-58.The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Nord Westfalen, Sentmaringer Weg 61, 48151 Münster, Internet: https://www.ihk-nordwestfalen.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

HWA Vorsorgemanagement GmbH & Co. KG is registered in the Intermediary Register as an insurance broker with a licence in accordance with §34 d 1 of the Trade, Commerce and Industry Regulation Act and register number D-QWRP-6LXAH-14.The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Nord Westfalen, Sentmaringer Weg 61, 48151 Münster, Internet: https://www.ihk-nordwestfalen.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

HWA Finanzplan GmbH & Co. KG is registered in the Intermediary Register as an insurance broker with a licence in accordance with § 34fof the Trade, Commerce and Industry Regulation Act and register number D-F-156-EUIW-03. The responsible supervisory authority is the Chamber of Industry and Commerce (IHK) Nord Westfalen, Sentmaringer Weg 61, 48151 Münster, Internet: https://www.ihk-nordwestfalen.de.

The entry in the Intermediary Register can be checked at:

German Chambers of Industry and Commerce (DIHK)
Breite Str. 29
D-10178 Berlin
Tel.: +49 180 600 585 0*
* 0.20 €/call
www.vermittlerregister.info

Professional regulations
§ 34 d Trade, Commerce and Industry Regulation Act (GewO)
§§ 59-68 Insurance Contract Act (VVG)

Ordinance on Insurance Mediation and Advice (VersVermV)

The professional regulations can be viewed and called-up at the homepage http://www.gesetze-im-internet.de/ operated by the Federal Ministry of Justice and juris GmbH.

As an insurance broker, we offer advice. The remuneration – referred to as a brokerage fee – for our advisory, mediation and support activities is paid by the insurance company under customary law. The brokerage fee is part of the insurance premium. Any deviation from this must be expressly agreed between us and the client. Particularly in the brokering of so-called net products, a separate remuneration understanding is usually agreed that obligates the client to pay the remuneration. Net products are products for which the brokerage fee is not included in the insurance premium. Our company does not receive any remuneration in the form of other allowances.

Our company holds no direct or indirect interest of more than 10% of the voting rights or capital of an insurance company; conversely, no insurance company holds any direct or indirect interest in our company.

Information concerning the arbitration boards in accordance with § 214 of the German Insurance Contract Act (VVG) and participation in the dispute settlement procedure in accordance with § 36 of the German Consumer Dispute Settlement Act

The arbitration boards listed below can be called upon to settle disputes out of court. In accordance with § 17 (4) of the Insurance Mediation Ordinance, we are obligated to participate in dispute resolution proceedings before the following consumer arbitration bodies:

Insurance Ombudsman (Versicherungsombudsmann e. V.)
PO Box 08 06 32
10006 Berlin
www.versicherungsombudsmann.de

Ombudsman for private health insurance and long-term care insurance (Ombudsmann für die private Kranken- und Pflegeversicherung)
PO Box 06 02 22
10052 Berlin
www.pkv-ombudsmann.de

Online settlement of disputes in accordance with Article 14 para. 1 of the Ordinance on Online Settlement of Disputes in Consumer Affairs (ODR-VO)

The European Commission provides an online dispute resolution (OS) platform for consumers at https://webgate.ec.europa.eu/odr/main/. Consumers have the possibility to use this platform for out-of-court settlement of their contractual disputes.

Party responsible for the offerings that are designed as journalistic and editorial content, as stipulated in § 18 paragraph 2 of the Interstate Broadcasting Agreement (MStV):

Melanie Werner, Walther-von-Cronberg-Platz 6, 60594 Frankfurt am Main, Germany

All information on these Internet pages is thoroughly researched, checked and updated by MRH Trowe. Despite all care, information can change, therefore no liability or guarantee can be accepted for the accuracy, completeness and topicality of the information provided.
The same also applies to all Internet pages that are referred to via a hyperlink.

We expressly state that the information provided on this website does not constitute individual and detailed advice, nor can it cannot replace individual and detailed advice.

The structure, data and texts of the Internet pages are protected by copyright. Duplication of information, in particular the use of texts, text modules, graphics or images, requires the prior written consent of MRH Trowe.

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