Der Fairsicherungsladen

What Der Fairsicherungsladen does

Der Fairsicherungsladen GmbH is an independent insurance broker (Versicherungsmakler) headquartered in Karlsruhe, Germany, founded in 1983 and operating as a privately held GmbH under family management (currently led by Managing Director Bernd Krause, who took over from founder Stephan Krause in 2018). The firm provides consultative advice on private health insurance (PKV), occupational disability insurance (BU), and retirement planning (Altersvorsorge), with a particular focus on the German civil-servant segment (Beamte, Anwärter, Referendare) and academics, and secondary coverage of employees above the Versicherungspflichtgrenze, the self-employed, and career starters.

The service offering is delivered via three channels — in-person consultation at the Karlsruhe office, online video consultation with screen sharing (introduced in 2015), and phone — and is supported by licensed comparison tooling covering up to ~500 tariff variants across an approximately 45-insurer network including Allianz, AXA, Debeka, DKV, and HUK. The product portfolio extends beyond advisory into supplementary health insurance (Krankenzusatzversicherungen), portfolio checks (Versicherungscheck/Finanzcheck), the Simplr customer portal/app, and a separate financial-education sub-brand (finanzen fairstehen) offering online courses and a published book.

The business model is commission-based (Courtage): revenue is earned from insurance providers on placement, while advisory services are free of charge to customers and quoted premiums are identical to direct purchase. All advisors are paid a fixed salary (Festgehalt) with no commission incentive, structurally aligning the firm with the independent broker (rather than tied-agent) model. The firm is regulated under §34d, §34h, and §34i GewO, is supervised by IHK Karlsruhe, and participates in the Versicherungsombudsmann and PKV-Ombudsmann dispute resolution schemes. The firm serves 5,000+ cumulative customers, carries a 4.9/5 rating across 827+ ProvenExpert reviews, and currently caps new client intake at approximately 20 per week to preserve service quality.

Name

Der Fairsicherungsladen

Legal name

Der Fairsicherungsladen GmbH

Website

https://derfairsicherungsladen.de

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

Independent German insurance broker (Versicherungsmakler) founded in 1983 in Karlsruhe, providing commission-based advisory on private health insurance, occupational disability, and retirement planning to civil servants, academics, employees, and the self-employed across ~45 insurer partners.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

akta.pro secondary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Independent insurance brokerage
• Private health insurance advisory
• Disability insurance consulting
• Retirement planning services
• Financial advisory Germany

Headquarters

HQ city

Karlsruhe

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Insurance Commission (Courtage): Receives commission (Courtage) from insurance product providers, which is already factored into insurance premiums. Customers pay no additional costs. No honorar/fee-based services for PKV.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Der Fairsicherungsladen is an independent insurance broker (Versicherungsmakler) offering free, advisor-led consultation across private health insurance (PKV), occupational disability insurance (BU), retirement planning (Altersvorsorge), and supplementary health coverage. Advisory fees are not charged to clients; revenue comes from commission (Courtage) already factored into the insurance premiums, identical to direct insurer pricing. Tariff comparisons are drawn from a network of approximately 45 insurance providers, supported by specialist advisors under the Ärztehausprinzip (specialist team) model.

Product overview

Der Fairsicherungsladen is an independent insurance broker (Versicherungsmakler) offering consultation services focused on private health insurance (PKV), occupational disability insurance (BU), and retirement planning (Altersvorsorge). The core offering combines personalized advisory services with access to approximately 45 insurance providers through neutral comparison tools. The portfolio includes: PKV consulting with anonymous risk pre-inquiries, BU services with pre-existing condition support, Altersvorsorge covering various pension products, and a Versicherungscheck for comprehensive portfolio review. Service delivery occurs via in-person consultations at their Karlsruhe office, video consultations with screen sharing, or telephone. The company also operates a customer portal (Simplr) and maintains a separate financial education brand (finanzen fairstehen) offering online courses and publications.

Differentiator

Problem solved

Functional benefit

Brands

• finanzen fairstehen: Online courses and book publishing brand related to financial education
• Simplr

Products and services

• Private Krankenversicherung (PKV) Beratung Independent consulting and tariff comparison of private health insurance (PKV) for civil servants, employees above the income threshold, and self-employed individuals. Includes anonymous risk pre-inquiry, health questionnaire preparation and submission, and tariff comparison across approximately 45 insurers including Allianz, AXA, Debeka, DKV, HUK, and Beihilfe-optimized specialty providers.
• Berufsunfähigkeitsversicherung (BU) Beratung Occupational disability insurance consulting providing protection against loss of earning capacity. Includes pre-inquiry handling for individuals with pre-existing conditions, BU contract review (BU-Check), coverage optimization, and comparison of BU tariffs suitable for specific academic and professional profiles.
• Altersvorsorge Beratung Retirement planning consulting covering Vorsorgeanalyse (provision analysis), Riester-Rente, fondsgebundene Rentenversicherung, Basisrente/Rürup-Rente, betriebliche Altersvorsorge (company pension), and Einmalanlage (lump-sum investment). Includes Rentenlücke calculation and personal retirement gap analysis.
• Versicherungscheck / Finanzcheck Comprehensive insurance and financial check service that analyzes existing customer contracts, identifies coverage gaps, and compares providers to optimize the overall insurance portfolio.
• Krankenzusatzversicherungen Advisory and comparison of supplementary health insurance products including Zahnzusatzversicherung (dental), Krankenhauszusatzversicherung (hospital), and Heilpraktiker/Sehhilfen/Vorsorge supplementary coverage for GKV-insured individuals.
• Online-Beratung (Video Consultation Service) Video-based advisory service delivered via screen sharing, allowing clients to transparently follow comparisons and calculations in real-time. No software installation is required. Available since 2015 as an alternative to in-person consultation at the Karlsruhe office.
• Finanzen fairstehen (Onlinekurse & Buch) Financial education platform under a separate sub-brand offering online courses and the book 'Der Finanzplaner für Akademiker' on insurance and financial planning topics, including a separate online shop.

Quantifiable outcome

• Customers often save several hundred euros compared to self-selected online tariffs
• +1 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor and core.

• Versicherungsombudsmann e.V.minorOthersOfficial dispute resolution body for insurance complaints. Company participates in arbitration proceedings as required by law.
• Ombudsmann Private Kranken- und PflegeversicherungminorOthersOmbudsman specifically for private health and long-term care insurance disputes. Company participates in proceedings as required.
• Industrie- und Handelskammer KarlsruheminorOthersSupervisory authority for insurance brokers under §34d GewO. Company registered with IHK Karlsruhe.
• ~45 Insurance Providers NetworkcoreChannel Partner/ Reseller/ DistributorNetwork of approximately 45 insurance companies including major providers (Allianz, AXA, Debeka, DKV, HUK) and specialty insurers. Comparison includes testsieger tariffs from Finanztest.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Honorarfinanz AG: Fee-based (honorar) German financial advisor network with explicit no-commission positioning. Closest philosophical peer to FDL's Festgehalt/no-commission-incentive model, but operates at network scale rather than single-firm specialist delivery.
• CHECK24 Versicherungen: Germany's largest insurance and financial product comparison portal; offers PKV, BU, and Altersvorsorge comparisons with optional licensed advisory. Direct competitor in the same customer journey — comparison first, then optional human advice — but at vastly greater scale and via a self-service portal model rather than consultative specialist advice.
• Dr. Klein Privatkunden AG: Independent German broker specializing in Baufinanzierung, insurance, and retirement planning. Comparable in independent advisory model and multi-product comparison; partner is owned by Hypoport and has stronger technology stack and B2B partnerships than FDL.
• MLP SE: Publicly listed German financial advisory firm with a strong focus on academics, physicians, and professionals. The most direct peer in terms of persona (Akademiker) and advisory depth across insurance, retirement, and wealth planning; differs primarily in scale and breadth across B2B and corporate clients.
• Verivox Versicherungsvergleich: Major German comparison portal for insurance and financial products. Competes with Der Fairsicherungsladen on the PKV/BU/Altersvorsorge discovery stage but lacks the personalized specialist advisory offering that anchors FDL's value proposition.

Emerging players

• Blau Direkt Deutschland: Digital insurance broker platform/pool serving independent Versicherungsmakler in Germany. Comparable as a German independent broker infrastructure layer; interesting both as competitor (technology-enabled advice) and potential partner/white-label for FDL scaling.
• BCA AG: German broker pool serving independent insurance and financial advisors, similar to Fonds Finanz. Indirect peer as part of the independent broker infrastructure landscape that FDL could leverage to scale without proportionally growing internal headcount.
• Fonds Finanz Maklerservice GmbH: Major German insurance and financial broker pool/distributor providing back-office, product, and technology support to independent Versicherungsmakler. Comparable as an independent broker ecosystem player; potential supplier/partner for FDL's middle- and back-office.

Broad incumbents

• Swiss Life Select: Large German financial advisory network owned by Swiss Life, providing insurance, retirement, and wealth planning via salaried and career agents. Comparable in offering breadth and advisory-led model but lacks FDL's narrow specialist focus on Beamte and Akademiker PKV/BU.
• Deutsche Vermögensberatung (DVAG): Germany's largest independent financial advisory distribution network, with a broad product portfolio including insurance, retirement, and wealth solutions. Comparable in scale and broad-scope insurance intermediation; differs in tied-agent structure and mass-market focus rather than specialist academic/civil-servant positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCWFfMnXJJYAHDr5aVautHsg
• Facebookfacebook.com/fairsicherungsladenkarlsruhe.versicherungsmakler
• Instagraminstagram.com/derfairsicherungsladen
• Xx.com/finanztip_heute
• LinkedInlinkedin.com/company/der-fairsicherungsladen-gmbh

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Der Fairsicherungsladen