Information requirements according to the Transparency Regulation

Article 3
When it comes to choosing insurance companies and insurance products, we refer to the information provided by the insurance companies in accordance with Article 3.
We do not offer the services of insurance companies that clearly do not include a strategy for incorporating sustainability risks into their investment decisions.

As part of the individual consultation, which takes place in the customer's interests, we show them separately when sustainability risks being taken into account in the investment decision result in clear advantages or disadvantages for you.
The insurance company provides information on how sustainability risks are taken into account in its investment decisions in its pre-contractual information.
You can contact us if you have any questions about this before potentially entering into an agreement.

Article 4(5)
As part of the consultation, the most important detrimental effects of investment decisions on sustainability factors of financial market players (insurance companies) are only taken into account to a limited extent in accordance with Article 4(5) of the Transparency Regulation. They are taken into account based on the information provided by the insurance companies. We are not responsible for the correctness of this information.
Based on the currently limited information from insurance companies, these aspects are not currently taken into account in the consultation as standard. They can be taken into account upon your specific request based on the data currently available.

With a broader market offering in future, they will be taken into account as standard.

Article 5
According to Article 5 of the Transparency Regulation, the fee for brokering insurance policies is not based on the sustainability risks associated with the investments thereof. This essentially means that the fee for the product is not impacted positively or negatively by the sustainability risks of the investment.

Article 6
We generally do not take sustainability risks into account in our consultation on insurance investment products, Riester and basic pension products or company pensions, as they are already depicted by the insurance company in the pre-contractual information.

They can be taken into account individually by the broker as a financial advisor at your request in accordance with the Transparency Regulation