Broker Business Card

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


Profion GmbH is an independent consultancy that specialises in the field of “company pension provision / employee benefits”.

Our focus is on consulting and servicing multinational or global 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.

Profion charges its clients for their consulting and administrative services. In addition, Profion receives a brokerage fee included in the insurance premiums (directly from the insurance companies) for its brokerage activities.

In accordance with EU-compliant legal stipulations (EU-guideline for insurance intermediaries i.V.m § 15 VersVermV) all insurance intermediaries are obliged to provide certain company details. Below are these details for our company:


Profion GmbH


Heimeranstraße 37, 80339 Munich

Managing Directors:

Florian Karle and Ralf Bender

Commercial Register:

Munich Local Court, registration number: 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 responsible authority, i.e. the IHK für München undOberbayern (Chamber of Industry and Commerce for Munich and Upper Bavaria), Max-Joseph-Strasse 2, 80333 Munich, Germany,

Vocational law:

§ 34 c, d trade regulations (if necessary § 34 e industrial code)
Sections 59 – 68 VVG (Insurance Contract Act)
VersVermV (Insurance Mediation Ordinance)
The professional regulations can be viewed and retrieved via the website operated by the Federal Ministry of Justice and juris GmbH.

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 / 60 05 85 0, access to register: www.vermittlerregister.infoProfion 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 extrajudicial settlement of disputes arising from insurance mediation please refer to the following authorities:

  • Versicherungsombudsmann e.V. (Insurance Ombudsman registered association), Postfach 08 06 32, 10006 Berlin, Tel.: (01804) 224424, Fax: (01804) 224425,
  • Ombudsmann Private Kranken- und Pflegeversicherung (Ombudsman private medical and nursing insurance), Postfach 06 02 22, 10052 Berlin Telefon: 0 18 02 – 55 04 44,

You are also welcome to contact us directly via

Further important notes

As an international 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, Generali, Elips Life, Gothaer, HDI Gerling, R+V Versicherung, Swiss Life, Victoria, 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 questioned 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 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.e. 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 61 VVG (German Insurance Contract Law).