KVM Kulmbacher Versicherungsmakler GmbH

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.

I would like to express my great praise to Mr. Ehrhardt, who explained to me in an easily understandable and at the same time comprehensive manner the subject of insurance for civil servants in the police force. Through the competent and visually supported conversation, I felt very well informed and therefore in good hands.
Through comparisons with other insurances, I was finally able to choose the right insurance for me.
Thank you again for the great conversation!

My contact person Daniel Erhardt was very convincing, especially in the area of professional competence and complex issues.

The KVM generally has an open ear for me with every inquiry. Requests for benefits or the processing of reimbursements are handled quickly and without any red tape. In addition, you have a personal contact person with whom you can work for years. That's why I'd like to say a huge thank you to Daniel Erhardt for his really great and brilliant support!

Through a recommendation, I was referred to KVM. Due to special circumstances, I tried to find a contact person for PKV on short notice. Without further appointment and without personal commitment I was advised at short notice by Mr. Ehrhardt factually and competently.
An honest praise for Mr. Ehrhardt, who took himself at short notice a scarce hour to advise me as well as possible and to help me in my decisions, without having in the first place himself. 5 stars for helpfulness & for his competence in his core area!

Our recommendation we can express few words :

alller best performance --- competent -- - interested --- honest-friendliness--.

I have been an extremely satisfied customer for decades.
KVM is also outstanding in comparison with other brokers!
Special mention should be made of the excellent personal service and support in cases of damage.
I can recommend KVM without reservation.
Till Hofmann

a better insurance advisor I have not had until today - with my car
was made very clear - and I saved thereby approx. euro 2000,oo in the year !!!

mfg aberle siegbert 18.05.21

Super Team at KVM

We have been customers of KVM for many years and have always received very good and up-to-date advice.
In case of damage, the reaction was quick and constructive.
We have felt in good hands with KVM Kulmbacher Versicherungsmakler GmbH for years!

No matter what the problem, always super fast solutions, help and always friendly staff / employees. I can only recommend.

All employees with whom we are in contact impress with extraordinary friendliness and competence!!!