How intermediaries can boost their business with the animal welfare association

Do good – and talk about it. Lawyer Johannes Fiala and actuary Peter A. Schramm explain in an exclusive commentary how brokers can sell policies with immaterial advertising.


As is well known, insurance does not sell itself – it must be sold. Intermediaries must therefore draw attention to themselves and their products. In doing so, they can and must use advertising and marketing measures.


A possibility that has been scarcely considered in this country so far is to advertise with idealistic and immaterial advantages. In this way, it would even be possible to cheat the ban on commission payments. Attorney Johannes Fiala and the actuary Peter A. Schramm draw attention to this in a commentary for FONDS professionell ONLINE.


The two experts argue that an intermediary, insurer or even an Insurtech, in consultation with, for example, an animal welfare organisation or the local football club, can provide a link on their site that will direct their members or any potential donor to the home page of the latter.


A part of the premium of a contract concluded in this way will then go to the association by the currently and also in future permitted commission fee. The policyholder has the feeling of having done something good, which the association appeals to – and agents and insurers have a new policy in their portfolio. (jb)


by Dr. Johannes Fiala and Dipl.-Math. Peter A. Schramm


by courtesy of (published on 20.03.2017)


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Dr. Johannes Fiala Dr. Johannes Fiala

Dr. Johannes Fiala has been working for more than 25 years as a lawyer and attorney with his own law firm in Munich. He is intensively involved in real estate, financial law, tax and insurance law. The numerous stages of his professional career enable him to provide his clients with comprehensive advice and to act as a lawyer in the event of disputes.
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