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Finber — insurance broker and financial advisor in Germany
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    • Riester Rente is not suitable for: * **High earners:** Those in the highest tax brackets may not benefit as much from the tax advantages. * **People with low income/no tax liability:** If you don't pay income tax, you won't receive tax refunds (Steuererstattung), which are a key component of Riester Rente benefits. * **Self-employed individuals (in some cases):** While some self-employed individuals can take out a Riester contract, it's not as straightforward as for employees, and other pension options might be more beneficial. * **Those who want flexibility:** Riester Rente is designed for long-term retirement savings and usually has restrictions on early withdrawal without penalty. * **People who don't want to commit to long-term savings:** The benefits of Riester Rente are realised over time, so it's not ideal for short-term financial goals.
    • 10 useless insurances in Germany
    • Show more
    Taxes
    • Tax ID and Tax Number
    • Pension tax
    • Income tax
    • Social contributions
    • Cryptocurrency taxation
    • Show more
    Moving to Germany
    • Chancenkarte - visa for job seeking
    • List of documents for Blue Card
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    • Residence permit in Germany for people 45+
    • Work visas for Germany and their types
    • Obtaining German citizenship
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    Car
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    • Exchange of driving licence
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    • Freelancer's Handbook in Germany
    • Current account - which one to choose?
    • Money transfers
    • SCHUFA
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    • Discounts on German railways
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    Integration in Germany
    • Paragraph 25
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    O4, 4, 68161 Mannheim
    Visits by appointment only.

Request a consultation
Finber — insurance broker and financial advisor in Germany
Consultation
  • Insurance
    Health
    Dental insurance

    Tariff comparison

    Dental prosthetics: a guide to choosing insurance

    Braces and orthodontics in Germany

    Basic dental insurance

    If treatment has already been prescribed

    How to use insurance

    Paediatric dentistry

    Private medical insurance

    About private medical insurance

    what private health insurance includes

    Switching from private to state insurance and vice versa

    Myths about private medical insurance

    Medical insurance for entrepreneurs

    • Health funds: choosing and switching
    • Early cancer detection programme
    • Outpatient insurance
    • Vision insurance
    • Hospital
    • Sick pay
    Pension schemes
    • Basis Pension / Rürup Pension
    • Riester Pension Scheme
    • Pension investments Unit-linked life insurance
    • Altersvorsorgedepot: new pension scheme 2027
    • Widow(er)'s pension
    • Review of pension schemes
    • State pension in Germany
    • VL life insurance
    • Child savings
    Risk insurance
    • Accident insurance
    • Loss of earning capacity
    • Life insurance
    • Funerals in Germany
    • Long-term care insurance
    For business
    • A Guide to Business Insurance
    • Legal insurance for businesses
    • Corporate Legal Protection
    • Beauty business insurance
    • Medical insurance for entrepreneurs
    Property
    • Home contents insurance
    • Glasbruch (Glass Breakage) Insurance
    • Property insurance
    • Phone/tablet insurance
    • Deposit
    Animals
    • Cat insurance
    • Dog insurance
    Travel
    • Guest insurance in Germany
    • Travel insurance
    • Winter sports
    • Rental car excess insurance
    Vehicles
    • Motor insurance
    • Bicycle insurance
    • Electric scooter insurance
    • Green Card and border insurance
    Responsibility
    • Personal liability insurance
    • IT professionals' liability insurance
    • Legal expenses insurance
    • Drones/quadcopters
    Blog
    • Important insurances in Germany
    • 10 useless insurances in Germany
    • Braces and orthodontics in Germany
    • eVB number
    • Show more
  • Investments
    • Investing with easyInvesto
    • Investing with ComfortInvest
    • Investing with Whitebox
    • Pension investments Unit-linked life insurance
    • Investing in gold
    • ETF brokerage account
    Blog
    • What's the difference between easyInvesto and ComfortInvest?
    • Cash withdrawal
    • Taxation of investments
    • Cryptocurrency taxation
    • Everything you need to know about ETFs
    • Show more
  • Finance and lending

    Finance

    • Blocked account
    • Credit cards
    • Consumer credit
    • Bausparen - building savings contract
    • VL Building Savings Contract
    Taxes
    • Tax classes
    • Child allowance and child benefit
    • Supporting your parents and deducting it from tax
    • Pension tax
    • Show more
    For entrepreneurs
    • How to become self-employed/freelancer
    • Company and self-employment registration procedure
    • Accounting and tax return software and applications
    Blog
    • Cash withdrawal
    • Money transfers
    • SCHUFA
    • Features of a consumer loan
    • Show more
  • Suppliers
    Contracts
    • Electricity
    • Gas
    • Internet
    Blog
    • Termination of contract
    • Show more
  • Blog
    Insurance
    • A financial consultant - who are they?
    • You will definitely pay for this in Germany.
    • Riester Rente is not suitable for: * **High earners:** Those in the highest tax brackets may not benefit as much from the tax advantages. * **People with low income/no tax liability:** If you don't pay income tax, you won't receive tax refunds (Steuererstattung), which are a key component of Riester Rente benefits. * **Self-employed individuals (in some cases):** While some self-employed individuals can take out a Riester contract, it's not as straightforward as for employees, and other pension options might be more beneficial. * **Those who want flexibility:** Riester Rente is designed for long-term retirement savings and usually has restrictions on early withdrawal without penalty. * **People who don't want to commit to long-term savings:** The benefits of Riester Rente are realised over time, so it's not ideal for short-term financial goals.
    • 10 useless insurances in Germany
    • Show more
    Taxes
    • Tax ID and Tax Number
    • Pension tax
    • Income tax
    • Social contributions
    • Cryptocurrency taxation
    • Show more
    Moving to Germany
    • Chancenkarte - visa for job seeking
    • List of documents for Blue Card
    • List of documents for a student visa
    • Residence permit in Germany for people 45+
    • Work visas for Germany and their types
    • Obtaining German citizenship
    • Show more
    Car
    • Fines for motorists
    • Registering a car in Germany
    • Exchange of driving licence
    • Green card
    • Show more
    Finance
    • Freelancer's Handbook in Germany
    • Current account - which one to choose?
    • Money transfers
    • SCHUFA
    • Show more
    Services
    • Termination of contract
    • Discounts on German railways
    • Show more
    Integration in Germany
    • Paragraph 25
    • Telephone alphabet
    • Sick leave in Germany
    • Useful phones
    • How long should documents be kept
    • Where to look for a job in Germany
    • Show more
    All articles
  • About the project

    About the project

    • About us
    • Job vacancies
    • Recommended specialists
  • Contacts
  • Log in to your personal account
  • Support (report changes)

Claim on legal insurance

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  • Descriptions of the blocks can be read in the article: Legal expenses insurance

  • The additional JurWay Privat conflict resolution option is included in all ROLAND private customer contracts! This means you can receive support from the insurance company online on the insurance company's portal.

     

    More about JurWay - JurWay Private

     

    The consultation takes place in the Roland portal within your JURWAY personal account:

    - Select the area in which you want to ask a question
    - Enter the personal details of the individuals involved in your case, for example, "Your name/the opposing party's name"
    - Describe your case, indicating who is making what claims against whom and on what grounds
    - Write your question
    - Optionally, you can upload documents

     

    An answer to your question is provided within 24 hours. To get a specific answer, you need to provide more details, documents and a detailed description of the problem. 

     

    JurWay comes without an excess.

  • By clicking "I agree to the processing of personal data", I confirm that I have read initial information of the insurance broker in accordance with § 15 VersVermV and information in accordance with Section 60(2) of the VVG.

  • ☝🏼 Press the button above to submit your application!

  • Any questions?

    Write to us at [email protected] or on Telegram at t.me/finber_support
  • Should be empty:

Ready to apply or do you need help and advice?

Complete the form and we will be in touch to discuss the next steps.

If you have any questions, you can always contact us:

By email:  [email protected]

On Telegram:  t.me/Finber_de

The quickest way to get in touch is via the Telegram bot
Message the chatbot
Valery Melech | insurance broker and financial expert 🇩🇪

finber.de
Что будет, если ребёнок случайно сломает чужую вещь? 🤔Особенно актуально с началом школы: чужие телефоны, планшеты, очки, школьные вещи — случайности случаются быстро.Самое время проверить, какие страховки защищают ребёнка и семью. Подробнее — в видео.#жизньвгермании #германиядети #школагермания
🇩🇪 10 сентября, по всей Гер 🇩🇪 10 сентября, по всей Германии - Bundesweiter Warntag⏰ В 11:00 по всей стране пройдёт тестовое оповещение. На смартфоны придёт экстренное сообщение через мобильную сеть. Телефон громко зазвучит даже в беззвучном режиме.Также предупреждения могут прийти через NINA и KATWARN, а в некоторых местах включат сирены, радио, ТВ и электронные табло.➡️ В 11:45 будет отбой.Предупредите заранее детей и пожилых родственников, чтобы резкий сигнал их не напугал.❗️ВАЖНО: это только тест системы оповещения. Искать укрытие или собирать «тревожный чемоданчик» не нужно. Но понимать, что делать в случае реальной тревоги, точно не лишнее.➡️ Официальная информация и чек-листы - на сайте BBK (Bundesamt für Bevölkerungsschutz und Katastrophenhilfe) www.bbk.bund.de...#германия2026 #германияонлайн #германияновости
🇩🇪 Вот и позади летние месяцы и нас встречает Goldener September.После летних каникул стартует новый деловой сезон, и СЕНТЯБРЬ подготовил немало интересных событий.Я выделил ключевые моменты и добавил свои комментарии. Будет интересно узнать и ваше мнение! ...#германия2026 #германияонлайн #германияновости
🇩🇪 €120,000 from the state? 🇩🇪 120.000€ от государства?Пока вы сидите с малышом, государство считает ваши доходы и готовит компенсацию. В ролике разбираю реальные цифры поддержки на одного ребенка до 18 лет.Как вам такие расчеты? 🔥#жизньвгермании #германияонлайн #работавгермании
⏰ Private medical st ⏰ Private health insurance (PKV): why 30 September 2026 is an important date for some employees💯 This is not a post urging everyone to switch to PKV immediately. However, for some employees, the opportunity to switch systems may well become significantly more limited as early as the end of this year.📲 Link to a consultation in the profile header. #germanymedicine #medicinessgermany #germanyhealthinsurance
On 17 August 2026, a fresh issue of the Federal Law Gazette (Bundesgesetzblatt) was published, covering professional driver qualifications, licence issuance rules, and examination languages. Several points personally affect a large number of people. What has been adopted:🔹 Ukrainian driving licences are now included in Anlage 11 to the Driving Licence Ordinance (FeV), meaning Ukraine has been added to the list of countries whose licences can be exchanged in Germany under a simplified procedure, without the need for a theoretical or practical test. The regulation enters into force on the day following publication, i.e., from 18 August 2026.However, there are a few caveats:➖ The document must be valid and authentic. The new rules do not legalise forged, revoked, or expired licences, nor do they reinstate driving privileges that have been revoked by Ukrainian authorities.➖ Once the amendments come into force, you must apply to your local driving licence authority (Fahrerlaubnisbehörde) and prepare documents confirming that the Ukrainian licence was lawfully issued and outlining its current status.➖ This applies to the following categories: A1, A, B, BE, C1, C1E, C, CE, D1, D1E, D, DE.What else has been adopted:🔹 The number of languages available for professional driver examinations has been increased – exams can now be taken in 9 foreign languages.🔹 The duration of the practical part of the exam for professional drivers under the initial qualification (Grundqualifikation) has been reduced from 120 to 90 minutes.🔹 Rules for lost Ukrainian licences. A new entry has been added to Anlage 9 – a special note for the temporary replacement of a lost or stolen Ukrainian driving licence.▶️ The inclusion of Ukraine in Anlage 11, alongside such a substantial simplification of the procedure, will likely serve as an additional incentive for many who seriously see their future in Germany to transition from Section 24 to one of the work-related residence permits.
💶 €3.5tn savings post 💶 €3.5 trillion in savings is gradually being eroded by inflation. Just imagine: €10,000 five years ago, with inflation at 5% per year, would have a purchasing power of only around €7,800 today.📉 The Bundesbank confirms that the real return on bank deposits in Germany remains negative. The amount of money in your account stays the same, but over time you can buy less and less with it. This is precisely what constitutes the imperceptible loss caused by inflation.The video explores options for where to keep your money so that it isn’t just sitting idle. What savings instruments do you use? 👇#germanynews #lifeinGermany #germanyonline
⏰ Frühstartrente: state op ⏰ Frühstartrente: the state is opening pension depots for children. Yesterday, 12 August, right between the eclipse runs and the peak of the Perseids, I tuned into the news channel. I didn't think the cabinet would get stuck into active work so early in the middle of the holiday season. But apparently, astronomical events influenced them too. Or perhaps it had already been decided behind closed doors ages ago. Anyway, getting to the point. ✅ The cabinet has approved the Frühstartrente bill. Now, children will be able to receive state support for their pension savings from the age of six. I can just imagine a conversation between ten-year-olds of the future: - «What's your pension portfolio like?» - «Diversified: Lego, Roblox and a bit of ETF» 😂
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