If you’ve already done your own research and know exactly which policy you need, you can save a lot of money with the help of FragFina. For one thing, you avoid the costs of a gross policy. For another, FragFina is significantly cheaper than a fee-based advisor. In my case, the savings on a Rürup net policy amounted to over €1,000 compared to a fee-based advisor. Of course, you have to manage the insurance yourself. But that doesn’t bother me. I was able to clarify any quick questions regarding the policy by phone and email within a day. So, I give it 5 stars for the value for money.
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