Dr. Martin, what distinguishes the new digital term life insurance from NÜRNBERGER and how does it differ from the other market participants?
Dr. Martin: With the NÜRNBERGER Risk Life Insurance Digital our potential customers do not just choose a product with excellent performance and flexibility at attractive prices. Behind the product is NÜRNBERGER Lebensversicherung, a stable insurance company with experience in protecting against biometric risks that is unique in Germany – since 1884. With the digital term life insurance, our customers can choose from the basic, comfort and premium tariff options depending on their needs or their wishes and ideas . And, of course, all of this online: the customer can obtain insurance within a few minutes. No signature is required here.
The state of health and other risk characteristics, such as leisure activities, are checked fully automatically using just a few questions. This means that our customers receive an immediate answer and do not have to wait for an offer from the insurance company. True to our vision: “Simply the right protection.” And another advantage for our customers: They answer health questions completely anonymously. We do not transmit any data to third parties.
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What are the outstanding product features – especially beyond the cost-effective basic protection?
Dr. Martin: We offer a so-called “increase guarantee” in all tariff variants: our customers can increase the sum insured once within the first three years, even after signing the contract – without giving health data or reasons.
Another special feature is the emergency aid. So that the surviving dependents receive financial help as quickly as possible in the event of a claim, we pay an immediate aid of ten percent of the sum insured that was agreed at the time of the claim in the comfort and premium tariff. Immediate help because the benefit can be paid out before the actual benefit case assessment.
With the advance death benefit, we offer payment of the agreed sum insured to the beneficiary in the event of severe, progressive and incurable illnesses of the insured person even before death. For example, the family or the insured person can still fulfill one or two dearest wishes with the insurance benefit in the difficult time.
Dr. Michael Martin, Head of Product and Market Management Life at NÜRNBERGER Versicherung.
For whom is the new NÜRNBERGER digital term life insurance the ideal insurance?
Dr. Martin: For everyone who wants to protect their family, partner or a loan and / or prefers digital insurance solutions, ie who does not feel like “paperwork”. If you have little time for cumbersome formulations, you’ve come to the right place. We communicate simply and clearly. And since everything happens online, we can offer our customers a product that is particularly attractive in terms of price. Most insure the main breadwinner in the family or partnership. This makes sense in any case, as most of the income is lost in the event of death.
This offer from NÜRNBERGER can be completed digitally – what are the advantages for the customer?
Dr. Martin: The current situation shows it: Customers want digital products. For many people, life in the past few months has mainly taken place in their own four walls. And that can be the case again at any time. This is where our online application process comes in. Our customers can sit comfortably on the couch to take out our term life insurance. You will be guided through the application process – virtually around the clock. In addition, the application path can also be conveniently “temporarily saved”. So customers have the option to pick up where they left off at a later point in time. This gives the customer the time to think about it. No matter what type of customer you are: Our application process and our information offer suit every behavior.
Another advantage: All documents are available in the customer portal – naturally data-protected and safe from unauthorized eyes. So nothing is lost and you can quickly get an overview of your insurance. Without the “paperwork”.
Isn’t there a shortage of advice when it comes to digital contracts?
Dr. Martin: No, just the opposite. We provide additional information specifically at the most important points so that our customers are well informed. How do we know where our customers need additional information? The answer is simple: We have intensively tested our application process with potential customers from different age groups. In addition, we checked the comprehensibility of our application process with you and continuously developed it together. In addition, our customers receive an overview of their details immediately before concluding their contract. This way you don’t lose track of things and you can reassure yourself that you have selected the options you want. We also offer an FAQ area on our website, which already contains a wealth of information.
However, should individual questions arise, there is always the possibility of contacting us via various communication channels: by phone or chat. If you would like personal advice, you can also take advantage of free online advice with our insurance experts. Comprehensive advice on all NÜRNBERGER products is of course also possible at any time via the personal NÜRNBERGER contact person on site. Even after the contract has been signed, our customers can clarify their questions personally with us using the various communication channels.
How is the digital RLV being accepted by your customers?
Dr. Martin: Our customers can rate us via Trusted Shops and describe their experience with us. The satisfaction of our customers is central to us and the customer feedback is currently very positive. The comprehensibility of the information, the immediate checking of the application data, the fast policy issuing and the friendly service are perceived as particularly positive by our customers.
Many customers value flexibility when it comes to family insurance – how do you take this into account?
Dr. Martin: When developing our insurance products, we always focus on our customers and consequently flexibility is a key element of the product. As part of our reinsurance guarantee, there is the option of flexibly adapting the insurance cover to changed living conditions and the associated increased need for care even after the contract has been concluded. For certain events such as marriage or birth or respectively. If a child is adopted, the sum insured can be increased by up to a total of EUR 100,000 – without having to answer questions about the health of the insured person.
In addition, we have a children’s and home ownership bonus included in our premium tariff. As a rule, the need for survivors’ insurance increases if a child sees the light of day or a property is bought or built for personal use. After these events, we will increase the agreed death benefit – limited to six months – by up to 30,000 euros. The insurance cover in the event of death increases automatically during these six months.
Another highlight is the extension option in the premium tariff, which ensures a high degree of flexibility. Because with it, the insurance cover can be extended once for up to ten years. This can be activated up to three years before the insurance expires and by the end of the 15th insurance year at the latest – here too, of course, without further inquiries about the health of our customer or the insured person.
Dr. Martin, thank you very much for the interview!
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