Super advice from Mr. Schäfer. All questions and problems were addressed in detail, answered very understandably and doubts were convincingly eliminated. More or less unnecessary / superfluous insurance policies were discussed and sorted out, no pushy persuasion attempts to such. In the end, super insurance package put together, with more coverage than my previous combinations at much more favorable conditions. I am very positively surprised, many thanks for that! VPV thus highly recommended.