I have an endowment insurance policy from the press pension fund (Allianz) that is due to mature soon. This can be paid out or I can receive an annuity. I also have another direct insurance policy. But what to do? Pay out, get a pension? How is this all treated for tax purposes? And are there any social security contributions? These are all questions to which I, as a layman, have few answers. But Frank Sander does! In a detailed telephone conversation with me, he answered and solved all open questions excellently. I have never received such professional, absolutely competent, friendly, courteous and also understandable (!) advice. I can only highly recommend Frank Sander to everyone!