Biometric Underwriting

We’ve developed a radical new concept of occupational income protection, CollectPlus. We’ve come up with the fairest terms on the market, and the best price to boot.

This was made possible by completely rethinking income protection. Rather than seeing it only as a life insurance, we thought to offer it partly as a property insurance – offered via a group tariff through the employer, protecting you against a potential loss of earnings. What’s more, we developed the concept with big international companies, and we were able to win Lloyd‘s Insurance Company S.A. Brussels as an insurer.

In contrast to many conventional providers, we do not take into account legacy issues, provisions, or risk indicators from the past. With our concept, only current risk factors are calculated.

With CollectPlus we have created a solution that is designed for highest demands, which is up to a €250,000 monthly pension without any health questionnaires or medical examination. Instead, we use the simplest statement of official duties, which is limited to the past 12 months.

Thanks to our status as Coverholder at Lloyd‘s of London, we are able to offer CollectPlus to a geographically unlimited region, as well as offering counsel and insurance to employees all over the world in both German and English. Under certain conditions, it is even possible to co-insure spouses and life partners.

As Coverholder at Lloyd’s we are also subject to the strictest requirements and are extensively audited every year. As a result, Lloyd’s of London stands behind us with its Chain of Security – the strongest financial security network in the insurance world.