Until now I was managing my/our insurances myself. But now I am thinking about an insurance broker with the main goal of having an overview of all insurances.
It should be without extra costs for me and ideally everything done online.
A “joint account” together with my wife would be a benefit.
An automatic alert about termination deadlines and potential savings upon changing a contract would be a very nice feature.
Do you have a recommendation which one to use? I feel that I’m maybe a little bit under-insured and would like to have my situation assessed by an independent broker.
In 2019, I wanted to invest in the 3rd pillar for the first time and I was completely lost. I looked at Comparis, submitted a request, and received a callback from one of the managing partners of Derfinanzplaner.ch, later one of the Caveo Co-founders.
During the first meeting, he explained how it works and gave me a few proposals but always including some % on the 3rd pillar + life insurance from Swisslife. I carefully reviewed this at home and found this forum, read a lot about this topic, and during the second meeting, he started selling me the Swisslife option as the best. I rejected it and told him I would go for VIAC. He was fine with it and told me he is also a customer of VIAC but insisted that life insurance is also important, and told me I could maybe invest 50%/60% in VIAC and 50%/40% in Swisslife each year. I rejected it.
In January 2020, he contacted me again informing me about his new project: Caveo. I decided to give it a try with car insurance, home, and personal liability insurance but nothing changed. Either I was already with the cheapest one (car insurance) or with the best price/quality one (home+personal liability). The following year in Oct/Nov 2021, I gave it a second chance with health insurances for 2022. This time I worked with a different advisor and it was completely a mess. I was already with CSS, the cheapest health insurance at that time in my Canton, and wanted to look only at supplementary insurance, just supplementary insurance. He did what he wanted, not listening to me, and sent me few silly proposals. So in the end, I contacted Caveo admin for mandate cancellation which I have to admit was a faster process.
Maybe it improved during 2022 and 2023…
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