Our Products

Here an overview of our products

Assurances

LIFE INSURANCE
the multifunctional one


• credit collateralisation
• build-up of mutual wealth
• old-age insurance
• retirement provision
tax-conserving investment
• financial security for bereaveds

MOTOR INSURANCE
the obligatory one


• third party, fully comprehensive and general liability motor insurance
• wide range of insurances and solutions
• preferential treatments

CONTENTS INSURANCE
fast assistance in case of claim

• saves household, furniture and Yourself
• protection in case of burglary and damage by water or fire
• integrated general liability insuranc

MEDICAL INSURANCE
for the best available medical care


• free choice of medical practioner
• free choice of infirmary
• free choice of one- or two-bed hospitalization
• reimbursement of medical costs
• worldwide medical transfer services

RETIREMENT PROVISION
… to enjoy retirment carefree

• additional cash-resources
• fund-based provision available
• additional contribution in case of ailment, unemployment and disability
• tax-advantaged insurance

LONG-TERM CARE INSURANCE
it´s not just a "nice to have" - it´s a MUST


• for all needs of care
• financially feasible for all income groups

ACCIDENT INSURANCE
financial stability - just in case ...

includes off-the-job accidents
• available for individuals and families
• covers salvage and medical transfer costs
• guarantees disability pension

INSURANCE FOR LEGAL COSTS
to get, what´s one´s by law...

• insurance is meeting the legal costs and lawyer´s fee
• minimization of financial risks
• individual advice
• PAC.O will help you to assert your rights and protect your interests

BUILDINGS INSURANCE
protection from the forces of nature


• assures buildings
• protection in case of damage by fire, lightning strikes and storms

BUSINESS INTERRUPTION INSURANCE
more than an insurance ...


• fast entitlement to the performance
insurance company waives of termination right

DISABILITY INSURANCE

minimization of financial risks
• "tailor made" solutions

Investment

TAX EXEMPTIONS ON RE-INVESTED PROFITS / SMALL & MID-CAPS
to act on changes


Terms and definitions like „KMU-Förderungsgesetz“ and „Steuerreformgesetz“ be a disincentive to lots of people. We give assistance and advice to our business customers.

PENSION PROMISES
for a better performance of Your employees


encouraging of the employee´s motivation
• supports keeping the living standard
• efficient instrumet of personnel policy

COMPANY PENSION PLAN
even more than a promotion ...


• premiums up to 300 Euros will not cause payments of income tax or national insurance
no indirect labour costs
• no administrative expense
the most beneficial way of salary increase

Financing

VEHICLE FLEET MANAGEMENT
the best way to manage Your fleet!

independent advice
• financing with favorable costs
• administrative outsourcing for better efficiency
• full claim processing
• cashless payment

LOANS
to fulfil desires withour delay!

• straightforward quotation-soliciting
• optimized development of individual financing plans
analysis of income and debt-structure

SEVERANCE PAYMENTS
... because prevention is better than cure


• financing over the period of employer-employee relationships
• no immediate shortage on liquidity
payments only by „Mitarbeitervorsorgekassa“, not by employer