KVM Kulmbacher Versicherungsmakler GmbH

A real estate agency with very competent and always friendly staff

Very helpful, very competent, very friendly and very quick responses to inquiries!

Nice service, fast easy processing, taking over the insurance contacts/damage processing, can only recommend!!!

During the consultation for an occupational disability insurance by Daniel Ehrhardt, I always felt in good hands despite the complex facts. All questions were always answered in detail. You never have the feeling that you are being talked into something! The advice is always serious and gives the honest impression that it is exclusively about the best possible solution for the customer and not about achieving deals or the like.
I have also always been advised well, seriously, flexibly, individually and quickly on other topics besides BU, and have been a satisfied customer for years!

Understandable choice of words, friendly and competent advice,
Definitely to be recommended

We are 100% satisfied with our consultants Mr. Schuhmann and Ms. Conci, both are very nice and competent, so you know that you are in good hands with your insurance matters. I can recommend with a clear conscience (I have also done - my son is also a customer).

What makes me particularly satisfied each time is the extremely friendly and well-founded advice as well as prompt appointments and completion.

I am particularly satisfied with the comprehensive and always fair advice, the very good accessibility and the reliability of the supervisor!
Many thanks for the support!

The employees are always committed to the needs of the customer. They are always available and take care of everything very quickly. We are completely satisfied!

Always there for us, always very good information, always excellent and competent contact persons

Always very good experience so far.
All employees are very friendly and competent. All requests are answered quickly and you are advised very well. Even in urgent or difficult cases, the support and processing is always TOP.

I would recommend the KVM team to anyone.

All-round carefree support in all insurance matters. Since 2013, we have received super competent and individual advice in all areas from our personal contact Daniel Ehrhardt - therefore clear recommendation!

I approached KVM as part of MRH Trowe to take out income protection. After detailed consultation and explanation of the alternatives, I was advised to take out occupational disability insurance. In particular, it was advantageous to "take along" the student status and, if possible, not be subject to a new risk assessment in the event of a later adjustment. Mr. Ehrhardt was able to explain to me how the multitude of offers on the market differed and which conditions were necessary and advantageous. He then anonymously obtained corresponding offers with a health profile comparable to mine, so that I could limit myself in my decision between three very good and comparable providers. In the process, Mr. Ehrhardt even paid special attention to my initial request for a higher occupational disability pension and made this possible, even though such a pension is usually not feasible for a student.
All in all, my personal effort was kept to a minimum and I could be sure of good, reliable and committed advice throughout. In the end, I took out a suitable and cost-effective occupational disability insurance policy. I can only recommend an appropriate approach at a young age and advice from Mr. Erhardt.

Mr. Ehrhardt provided me with comprehensive advice regarding a life insurance policy. I was extremely satisfied with his advice and would recommend him at any time.

KVM has great insurance brokers who do a great job and always try to find a good solution.

I was looking for advice on a future-oriented and secure pension plan. My advisor, Mr. Daniel Erhardt, was able to explain to me perfectly the necessity of a private pension plan, as well as the various options. He illustrated unknown topics in the field of shares, funds and fund policies visually and understandably for the inexperienced. He also used objective statistics and facts to support the advice. He did this also after the personal meeting with interesting documents, which he sent by mail. Furthermore, he was able to facilitate the decision with numerous tips based on personal experience in this subject area. Overall, Mr. Erhardt is a super friendly, helpful and competent consultant, with whom it is definitely worthwhile to seek advice, not only in the area of retirement planning!

Hello, I feel totally comfortable and have complete confidence in their staff.
The advice is fast and reliable.

TOP advice and contract conclusion by Mr. Ehrhardt in matters of occupational disability insurance. In addition to a detailed individual analysis, Mr. Ehrhardt not only took a lot of time when concluding the contract, but also for the preparation of an anonymized preliminary risk inquiry with the insurer. The support in the following years was always excellent and always geared to my current professional situation. Many thanks for the very good cooperation so far!

competent, reliable, friendly, very customer-oriented
Price-performance ratio top
Immediately responsive in case of damage

Many thanks and high praise to Mr. Ehrhardt, who explained the topics of legal protection, liability and occupational disability insurance to me in an easy-to-understand, factual and competent manner. The comparison of the various companies also helped me to find the right insurance for me. Any questions I had were answered competently at all times. Many thanks to the entire team for the friendly reception and flexible appointment arrangement.