For a long time, I put off the topic of disability insurance with a guilty conscience. Although I had an old contract (taken out with the help of my father when I was in my early 20s), I had been aware for several years that it was no longer any good (underinsured, no dynamics and outdated conditions); I am a diligent reader of financial tests and therefore quite well informed when it comes to finance and insurance.
I discovered Marlene's advice service via Instagram. I followed her there for a while before I got in touch with her and found her posts very informative, educational and professional.
Positive: Marlene responds very quickly to inquiries, so I had my first consultation with her team within a few days. I also found the option to make an anonymous preliminary risk inquiry and the very conscientious processing of my health history to be great. I would also like to emphasize the good service: Marlene is friendly, takes a lot of time for her customers and patiently answers any questions that arise. Also very pleasant and, above all, up-to-date: the consultation process is completely digital if desired - whether it's making an appointment, video call consultation, digital signature, etc.
Negatives: I didn't like the fact that I was in contact with a total of three advisors, which made communication a little more complicated and almost led to me having to accept an exclusion. I think it's important here, despite being a broker, not to completely relinquish responsibility, to think things through, to have everything explained to you in detail and to question the procedure critically from time to time. Fortunately, I persisted and in the end I was glad that Marlene took my case completely into her own hands and we were able to reach a very good conclusion for me.
Even though such a BU costs quite a bit per month (for me it's just under 95 euros), the cover is absolutely worth it to me. I'm married and, in addition to my financial provision, I also see the responsibility for my partner: I don't want to burden him financially for years or even decades if I suddenly become unable to work for whatever reason.
Overall, I felt that I was in good hands with Marlene's team and can recommend her to others. I will certainly have her check my other insurance policies (liability, household contents, legal protection) and those of my partner so that I feel fully covered here too.
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