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.
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