I can only warmly recommend a consultation with Torsten Breitag! It was my first insurance consultation for an occupational disability insurance and in retrospect I am very glad to have found such a professional with the previous research. The consultation process was clearly structured with quick and reliable appointments; also possible by phone from anywhere - a huge plus. My individual needs were taken into account and I never had the feeling that I was being pressured into a deal.
Some time ago I took out my occupational disability insurance with Mr. Breitag and I am still enthusiastic about the extraordinarily competent and structured advice, which I can clearly recommend!
After initially reading through various information sites on my own, I fortunately came across Mr. Breitag's site.
Due to the possibility to book an appointment directly online, the first hurdle was low. After the health questionnaire was filled out, the initial consultation followed. The health history was discussed in detail and the preliminary risk application was submitted to selected insurers. Feedback from the insurers was received very promptly, and thus the next appointment to review the insurance terms and conditions was made quickly. Mr. Breitag addressed similarities and differences in the terms and conditions, so that I was finally able to decide on an insurer myself. In the third and final appointment, the desired insurance was adjusted to meet my needs and the application was subsequently submitted.
Due to various questions on my part, we very much exhausted the estimated time, but Mr. Breitag remained relaxed throughout and explained everything patiently. Even queries by mail were always answered quickly and plausibly.
Mr. Breitag is an absolute expert when it comes to occupational disability insurance. His direct manner may not suit every customer, but that's exactly how open and honest I would like advice on such a sensitive topic to be. 5 stars and full recommendation!
If you are looking for a broker who tells you what to say and nods everything off, you are simply wrong with Mr. Breitag.
However, anyone who wants to be perceived as a responsible contractual partner and who values a structured approach and clear communication should contact Mr. Breitag.
I particularly liked the fact that I was not pushed at any time, that I could, should and was allowed to ask questions, as well as the very structured way of working.
Mr. Breitag gave me very competent professional advice. The consultation process with him was structured and efficient, and the online consultation and communication worked completely smoothly. Mr. Breitag always took time for my questions and responded to messages very quickly. I am now very satisfied with the result of the consultation!
If you are looking for an occupational disability insurance expert who is really open and honest about what he thinks and does not want to listen to the typical and sometimes misleading 0815 phrases of some insurance "salesmen", you are in very good hands with Mr. Breitag. The conversations are clearly structured, honest, spiced with a striking humor and structured in steps. It is up to each person how deep they want to go into the details. However, it is clear that Mr. Breitag likes to explain details and queries in depth.
I appreciate the fact that Mr. Breitag postponed the conclusion of a certain policy in a multi-contract construct until a later date because of my rather complicated health history. Other "salespeople" might have held out their hand here, whereas with Mr. Breitag, the actual quality of coverage in the fine print has absolute priority. As a result, it only made sense to conclude a contract in order to review the situation at a later date.
I would like to thank Mr. Breitag for having the patience to guide me through the jungle of a BUV contract, despite a delay and a mishap on my part. In particular, his tips on what to do if the clouds on the horizon should really darken in the direction of a BU case.
If you want to take out an occupational disability insurance as a student, there are the insurers who tell you how easy and uncomplicated it is and at the same time various contradictory articles and websites that say a lot of different things, but agree on one central point, namely:
Don't believe a word the insurers say and seek professional assistance!
After a short research I came across Mr. Breitag and was in view of the numerous positive voices also on this site in good spirits, but also a bit skeptical: So many good reviews, no costs for me and already has the next few days time for me - where is the catch?
Now that I am successfully insured with two providers thanks to Mr. Breitag, I can say: I could not find one.
From the first appointment, I felt professionally taken care of, both professionally and on a personal level. Mr. Breitag was always available for questions, the scheduling of appointments was flexible and smooth, the conversations always pleasant. After doing my "homework" (catching up on past medical histories, obtaining medical reports...) and the resulting preliminary risk inquiry, it was time to select insurance. I don't think many would consider it entertaining to spend hours with one's insurance broker wading through the nuances of insurance German - with Mr. Breitag, however, that was the case for me. With many examples, testimonials and anecdotes, you as a borrower get the finer points of possible insurance explained to you, always with a focus on your own needs and desires. It is very important to Mr. Breitag to take the client along with him, and the opportunities for queries were so numerous that I almost always felt a bit bad when I didn't have any at the time. When I did have some, they were answered competently, understandably and satisfactorily, as usual, so that I had the best possible basis of information on which to make my decision.
After the decision was made, the applications were put in motion together and now I'm sitting here:
happy and smoothly insured.
As part of my move this fall, I have had to use quite a few services and have been disappointed throughout. From movers dropping my stuff; internet providers telling me that a week without internet isn't so bad after all, despite online obligations, or tradesmen replacing a frosted glass window, right behind my shower, with a clear glass window ("we have a little something to tell you...").
Only one service has never disappointed me during this time, has always been reliable and competent, has always been friendly and solution-oriented, and has left me a spark of hope that Germany is perhaps not a pure service desert after all: the advice provided by Mr. Breitag.
I can only recommend to anyone looking for sensible and competent occupational disability advice to make an appointment with Mr. Breitag. I, for one, am delighted to have found a competent partner for my occupational disability insurance and to no longer have to worry about this for the time being.
Thank you, Mr. Breitag! I know that I will be in good hands with you in the future.
I was more than satisfied with the advice I received from Mr. Breitag. I had already dealt with other brokers during my search for a suitable occupational disability insurance policy, who unfortunately could not help me at all, but only wanted to get rid of a product as quickly as possible. Mr. Breitag really took a lot of time, which is very valuable, especially with regard to the preparation of the health history. He has an extremely high level of expertise and a lot of experience working with insurance companies. You can tell that he is not interested in a quick arrangement, but rather in ensuring that his customers make a competent, informed decision when choosing and structuring their occupational disability insurance. I think that is a great rarity in this sector. Full recommendation!
Some time ago, I took out an occupational disability insurance policy with Mr. Breitag and I have to say that this is still a consulting service and not just a sale. As a customer, Mr. Breitag guides you step by step through the process of concluding the policy, from preparing your health history ("Do I have to declare the cold the year before last?") to an anonymous risk inquiry to the decision-making authority to be able to judge, after studying the insurance conditions together, which of the companies in love is the most suitable for my life planning. Mr. Breitag always supports me competently with his expert knowledge, which is unparalleled in the field of occupational disability insurance. However, it is always up to the customer to decide which company to choose. Even after the contract has been concluded, Mr. Breitag continues to provide support in matters such as subsequent insurance options or supplementary contracts in order to adapt the coverage to life developments. Especially when it comes to difficult correspondence with insurance companies, this is a help that should not be underestimated. In short: I would like to thank Mr. Breitag for his excellent advice and can only recommend him with a clear conscience!
Insanely good advice on the subject of BU. The emphasis is on "advice", as Torsten's concern is not to sell a particular product. He provides detailed, clear and true-to-life information about the various insurance conditions and their (in)sense, but then leaves it up to the client to decide what he wants for himself.
The process via telephone/email/screensharing is maximally efficient. Appointments and availability are surprisingly good; Torsten responds quickly even in the evening and on weekends and is always on the ball.
All in all, the first choice for me when it comes to contact points for advice on occupational disability.
My personal concern was the change of an occupational disability insurance, which was fulfilled to the highest degree: Mr. Breitag worked in an extremely structured and thorough manner. He always checked with me to make sure that I had understood the theory. Questions on my part were answered comprehensibly at all times. Despite a cerebral hemorrhage in the past few years, we succeeded in obtaining a clean vote with subsequent policy application to an insurer by means of a detailed preliminary risk inquiry. The effort involved was not inconsiderable, but it was worth it! It was also very positive that we were able to arrange appointments at times (including weekends) that always worked to my advantage.
In short: he knows his business, focuses on the essentials, definitely recommended.
Mr. Breitag approaches his customers individually and professionally with great care. Even with a supposedly difficult initial situation, he was able to arrange a BU for me at solid and fair conditions. At the same time, Mr. Breitag takes as much time as necessary and doesn't just offer prefabricated mass solutions as one is often used to from agencies or other institutions.
After starting my career, I contacted Mr. Breitag to take out a BU. In addition to his technical expertise, he was constantly available, and also made numerous weekend and evening appointments possible for me. He has a clear opinion on sensible, and not sensible, solutions, but without making a sales pitch. Instead, he very clearly lays out what mistakes are commonly made. In case of difficulties in understanding, he answers all questions at any time. When I see among my friends what other insurance brokers are up to, I am glad I came across Mr. Breitag.
Consultation with Mr. Breitag was very pleasant. It is hard to imagine that anyone knows better than him. He took an extremely long time and helped with all concerns, not to be compared with "token" consultations from other brokers. In addition, he was always available - I feel very well advised and do not doubt one bit that I now have the best BU solution for me.
Mr. Breitag offers an all-around reliable, transparent and goal-oriented consulting package. Starting with a detailed survey of the health status, suitable insurers are then selected and inquired about. In a second appointment, differences and special features of the individual insurers are discussed. Mr. Breitag acts with the greatest patience and manages to explain the important basics and subtleties of occupational disability insurance even to someone unfamiliar with the subject. Subsequently, an inquiry is made together to the selected insurer, also here Mr. Breitag takes himself again very much time an individually adapted occupational disability insurance to lock. In summary, I can recommend Mr. Breitag without reservation due to the clearly structured consulting process, which is excellent for the customer to understand.
Very comprehensive and nice telephone consultation on the subject of occupational disability. We went through the AVBs of several insurance conditions thoroughly in order to find the most suitable insurance. Of course, this was not feasible in one conversation and so it took 5 appointments until the conclusion.
I can only recommend Mr. Breitag.
Mr. Breitag is a super broker. Through a large broker portal, I had made a BU application, which was rejected. In the first meeting, Mr. Breitag explained why this was the case, how we should proceed and what realistic goals are.
Mr. Breitag took a lot of time to prepare the preliminary risk inquiry. After the results of the preliminary risk inquiry, Mr. Breitag compared the options very well and went through the relevant insurance conditions with mkr step by step. Mr. Breitag gives very objective advice and never pushes you in one direction. The customer always makes the decisions. But you always get enough time to think about it and can ask questions at any time.
The online tool also makes it very easy to find an appointment.
Many thanks for the very good advice.
Instead of just going through a comparison table in 30 minutes, Torsten Breitag takes many hours to clarify exactly which insurance conditions are right for the individual requirements. The time is really very well invested, I felt very competently advised at all times. Really no comparison to brokers I have dealt with so far who simply sold.
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Profile active since 07/25/2015 | Last update: 04/28/2023
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