Insurance is a matter of trust! Especially when it comes to the protection of his loved ones and his own provision, a good comprehensive planning and advice is essential. Also the retirement provision would like to be considered here with to be able to enjoy his earned retirement without financial dependence or worries.
If one experiences however then, which one invested for years exclusively into the insurer, most important cost overviews were glossed over and a perseverance strategy of at least 12 years were recommended only so that the advisor does not endanger its commission, then suddenly a complete skepticism develops against all insurance and one would like to quit everything and put again its money into the pillow.
If one however then exactly explains why the insurers cannot act differently and these always first into their Finanzstock invest and unfortunately only a completely small surplus to the customer in the best case lead off
(concerns all prominent insurers),
then one converses probably straight with a very good friend or a free insurance mediator its whole initiative and its commitment into the customer invests.
This one is then almost always attainable,
takes time straight if it goes times again more turbulently, gives valuable Tipps, takes over notices, catches up the necessary information with a power of attorney from the insurer to physician, remains at the ball and develops depending upon life situation and the own desired goals a strategy not only convinces, but also the costs which can be expected to uncover and thus the transparency so important again creates!
Recommended by a good friend to recommend it now honestly to you!
Welcome to the Gutsch GmbH!
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Comment from Gutsch GmbH: 
The insurance topic is rather "uncool" for many students - boring. Many parents and students think that a BU insurance can wait until the entry into working life, until own money is earned. Fortunately, your father (who is also our client) established the contact between us.
There are several reasons for taking out cover as a pupil:
- there are "starter policies" that start with a low premium (but full protection) for several years and where the full premium is only paid later - when the student earns his own money.
- Students are calculated in a favorable "occupational" group and keep their low premiums, even if a higher-risk occupation (= no desk job) is chosen later. If, for example, you are a carpenter and don't sign up until then, it will be expensive!
- Calculated over a lifetime, the sum of the premiums is lower than if you take out the insurance later.
- the younger and healthier you are, the better. I have often received inquiries from graduates who have taken advantage of relaxation training or psychological counseling during stressful exam periods. This is then often assessed as psychotherapy and you don't get a contract (at least for a few years).
And last but not least:
If you calculate what income a young academic will earn in his or her lifetime, you will get dizzy: With an entry-level salary of €4,000 and an increase of 1.5% per year, there is almost €2.7 million at stake (in words, two million seven hundred thousand EURO).