Transparency for your protection – we would like to introduce ourselves by providing you with the following information *:

Profion GmbH is an independent consultancy that is exclusively active in the field of "company pension provision / employee benefits". Our focus is on consulting and servicing mainly international companies, e.g. German subsidiaries of multinational companies with headquarters based abroad. As one of many services in connection with the design and development of company pension concepts, we offer our clients support in the selection and subsequent mediation of insurance products as far as this is requested according to the requirements. In this context, we will also act as an insurance intermediary.

In accordance with Europe-compliant legal stipulations, all insurance intermediaries are obliged to provide certain company details. In the following, please find these details for our company:

Company: Profion GmbH
Address: Heimeranstr. 37, 80339 Munich

Phone: +49 (0)89 / 38 83 72 - 60
Fax: +49 (0)89 / 38 83 72 - 88

E-mail: info@profion.de

Managing Directors: Jürgen Kropp, Florian Karle

Commercial Register: Amtsgericht München (Munich Local Court), Commercial Register No.: HRB 122398

Services subject to registration: Profion will be acting as insurance broker subject to licensing acc. to Section 34d Para. 1 GewO (German Trade, Commerce and Industry Regulation Act). The license acc. to Section 34 d Para. 1 GewO (insurance brokers) has been issued by the competent authority, i.e. the IHK für München und Oberbayern (Chamber of Industry and Commerce for Munich and Upper Bavaria), Max-Joseph-Strasse 2, 80333 Munich, Germany, www.muenchen.ihk.de

Common registration office acc. to Section 11a Para. 1 GewO: DIHK e.V. (Association of German Chambers of Industry and Commerce registered association), Breite Strasse 29, 10178 Berlin, phone: +49 (0)180 / 600 585 – 0 (Fixed rate 20 Cents / call for landline calls, max. 60 Cents / call for mobile calls), access to register: www.vermittlerregister.info. Profion GmbH has been entered in the Register of Insurance Mediation Intermediaries under Register No.: D-74GQ-PVTTW-64.

Profion GmbH has neither a direct nor an indirect interest in the voting rights or the capital of any insurance company. There is no insurance company that has a direct or indirect interest in Profion GmbH's voting rights or capital.

For the settlement of disputes arising from insurance mediation, the following authorities can be referred to:

  • Versicherungsombudsmann e.V. (Insurance Ombudsman registered association), Postfach 08 06 32, 10006 Berlin, phone: +49 (01804)224424, fax: +49 (01804) 224425, www.versicherungsombudsmann.de
  • Ombudsmann Private Kranken- und Pflegeversicherung (Ombudsman private medical and nursing insurance), Kronenstrasse 13, 10117 Berlin, phone: +49 (01802) 550444, fax: +49 (01802) 20458931, www.pkv-ombudsmann.de

Further important notes:

As internationally operating consultancy we are, as stated above, exclusively active in the field of development and administration of company pension provision schemes (employee benefits). This also includes consulting with regard to the financing of company pension plans that, where appropriate, can be effected via insurances. We do not cover any other insurance sectors. We mediate only insurances of insurance companies that cooperate with foreign partner insurance companies via an international network. Thus, we keep all options open for our clients to conclude international pooling agreements upon reaching minimum sizes in several countries and to possibly receive a multinational dividend out of that.

The insurance companies (in alphabetical order) are: Allianz, Alte Leipziger, Axa, ERGO, Generali, Gothaer, HDI Gerling, R+V Versicherung, Swiss Life, Zürich Gruppe. Insurance products of insurance companies other than the ones stated are only mediated by Profion on clients' special request or if a special product requirement cannot be met in any other way. Recommendations on insurances are regularly given acc. to the requirements that result from the company pension plan design requested by the client (e.g. specified payment arrangements, requested investment aspects) and from requirements that generally are to be considered (e.g. fiscally adequate funding levels of the pension vehicle, off-balance pension plan). For this purpose, the clients are inquired about their needs and preferences via modern means of communication. According to the clients' statements, Profion will conduct a well-balanced market survey, extend the basis of information by clarifying all questions that have possibly emerged and advise the clients.

Furthermore, Profion will in direct contact with the above-mentioned insurance companies' functional departments determine a basis of quotation adequate for each case. If applicable, Profion will reconcile expert information in order to subsequently select on this basis the product complying with the particular client's case in consideration of i.a. the pricing, the required product features, the insurance company's financial strength and reliability, the administrative efficiency, the legal accuracy as well as business management aspects. In a so-called proposal, the advice incl. the reasons behind as well as recommendations on one / several insurance/s that meet the client's needs will be summarized and delivered to the client. These proposals at the same time serve as minutes of the consultation within the meaning of Section 42c VVG (German Insurance Contract Law).

* Client information acc. to Section 11 of the Directive on Insurance Mediation and Consultancy

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