0711 · 2172 3240 service@die-vm.comLeinfelden-Echterdingen

Birth & Family

A child changes everything — including your insurance needs. We help you protect your family optimally from the very start.

Why act now?

The birth of a child fundamentally changes your priorities. The right coverage not only protects you, but also your child's future. We review your existing insurance coverage and adapt it to your new life situation.

What Matters Now

Liability Insurance

Children are automatically covered under the family liability insurance — check whether your policy includes this.

Term Life Insurance

Secure your family's financial future in the worst-case scenario.

Disability Insurance

Especially important for the main breadwinner — your ability to work is your greatest asset.

Accident Insurance

Children are particularly prone to accidents — a child accident insurance policy provides additional protection.

Health Insurance

Private or statutory? We advise you on the best coverage for your child.

Retirement Provision

Starting early pays off — even small amounts can make a big difference over the years.

Who benefits most from this consultation?

Young Parents

Coverage for the new family situation — from liability to retirement planning.

Families with Children

Comprehensive protection for the whole family with an optimized price-performance ratio.

Single Parents

Specialized coverage for single-parent families — disability insurance and survivor protection.

What coverage is important?

Versichert

Personal Liability Insurance
Disability Insurance
Home Contents Insurance
Retirement Provision
Term Life Insurance

Nicht versichert

Unnecessary duplicate insurance policies
Over-insurance through excessively high coverage amounts
Insurance policies without genuine need

How We Work

Assessment

We analyze your existing insurance coverage.

Family Check

We identify gaps and prioritize by urgency.

Tailored Plan

You receive an individual protection plan for your family.

Implementation

We take care of everything — you enjoy the time with your family.

As a rule, children are covered by their parents' insurance until the end of their training (Liability Insurance, health insurance). However, a personal accident insurance policy is advisable from birth.

Our family check is free of charge and non-binding for you. As independent brokers, we advise you objectively.

Yes, within the first 2 months after birth. With statutory health insurance (GKV), family coverage is contribution-free; with private health insurance (PKV), a separate premium is charged.

Ideally right after birth. Accident insurance, liability insurance (included in the family policy), and supplementary private health insurance cost very little for children and provide coverage from the very start.

Yes — statutory accident insurance only applies from nursery/school age onwards. Prior to that, there is no coverage. Private accident insurance for children costs only a few euros per month and closes this gap.

Request Your Family Check Now

Free and non-binding — we will get back to you promptly.

Start with the Family Check

We review your insurance coverage and adapt it to your new life situation.

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