When everyday life suddenly falls apart

Imagine you're a family man, self-employed, and in the prime of your life. One day, an accident occurs – suddenly everything comes to a standstill. No income, ongoing expenses, uncertainty. But thanks to a disability insurance policy taken out in time, you were able to focus on what mattered most: your recovery. The financial support gave you the necessary backbone to get back on your feet and start anew.

These kinds of stories aren't accidental; they're the result of smart decisions. Risk-BOT helps you make exactly those kinds of decisions – transparently, independently, and with an added bonus.

Tailor-made protection for every situation in life

👨‍👩‍👧‍👦 Families:

Risks: Loss of income, accidents, illness.
Recommended insurance policies:

• Disability insurance: Secures the family income in case of incapacity to work.

• Accident insurance: Covers costs in the event of accidents.

• Term life insurance: Protection for surviving dependents in the event of death.

👵 Pensioners:

Risks: Need for long-term care, healthcare costs.
Recommended insurance:

• Supplementary long-term care insurance: Supplements statutory long-term care insurance.

• Supplementary hospital insurance: Better care in the hospital.

👔 Entrepreneur:

Risks: Business interruption, liability risks
. Recommended insurance:

• Business liability insurance: Protection against claims for damages.

• Business contents insurance: Covers damage to business inventory.

• Business interruption insurance: Secures income in the event of a business interruption.

Risk-BOT analyzes your individual situation and recommends the right products – commission-free and objectively.

🛡️ Prevention & practical tips: How to effectively minimize risks

• Regular contract review: Check your insurance policies annually to ensure they are up-to-date and still relevant.

• Create an emergency folder: Keep important documents readily available for emergencies.

• Use advice: Get independent advice to avoid over- or under-insurance.

📍 Regional contact points in Cologne:

• Consumer Advice Center NRW – Cologne Office:
  Address: Luxemburger Str. 10, 50674 Cologne
  Telephone: 0221 846 18-0

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Take advantage of Risk-BOT:

• AI-powered advice: Individual analysis of your insurance situation.

• Transparent comparisons: Independent recommendations without commission interests.

• Exclusive bonuses: Cashback and vouchers for members.