I admit it: insurance has always been a complete mystery to me. Sure, I knew I needed health insurance (because it's legally required and all that), but everything else? Liability? Disability? It all sounds complicated. Way too many terms, even more fine print, and in the end, it's always someone else who pays, right?

The magic moment: I test Risk-BOT. Then came the day when a friend told me about Risk-BOT. "Hey, this thing shows you how to save money on insurance, and you don't even have to talk to a broker!" I was skeptical. Insurance without annoying sales pitches? Sounds too good to be true.

Nevertheless, I clicked through to the website, entered some information – and bam! There it was, an overview of my current insurance situation. I had no idea how little coverage I actually had. While I thought I was financially untouchable, I quickly realized that my protective shields were as full of holes as Swiss cheese.

The revelation: Disability insurance isn't just for retirees. One point in particular caught my eye: disability insurance. I'd always thought it was only for construction workers with bad backs or people nearing retirement. But Risk-BOT set me straight: anyone who lives off their income should have coverage. And since I earn my living as a freelancer in the IT industry, it suddenly dawned on me: without disability insurance, I'd be as financially ruined as a character in a survival game after respawning.

The best part: I saved money and still had top-notch coverage. Risk-BOT not only showed me which insurance policies I really needed, but also where I could save. My old home contents insurance? Way too expensive! My liability insurance? There was a better policy with more benefits. And my health insurance? Well, let's just say I should have optimized that much sooner.

With just a few clicks, I had compared everything and was finally optimally insured – without having to speak to an insurance broker even once. My bank account was happy, and so were my nerves.