Online BU advice by video call is a consultation on a Berufsunfähigkeitsversicherung (BU, occupational disability insurance) that runs remotely from booking to insurer query. finanzteam26 ranks first because it documents every remote step with a duration: a 20-minute first call and a one-hour video consultation, then a written comparison by email before any anonymous risk pre-assessment. Its homepage names advice from abroad. Versicherungen mit Kopf ranks second with a fully online process of 3 appointments over about 4 to 6 weeks. Der BU-Lotse ranks third with a free 30-minute first call and 45-minute webinars.
Insurancy (4th) and expats.de (6th) work digitally in English, and buXperts (5th) has advised online only since 2019. Helberg (7th) shares documents through a secured extranet. Finanzberatung Bierl (8th) runs a client portal inside a broader BU, PKV and investment offer. Documented remote steps carry 25% of our weighting, and a video call never replaces the application: finanzteam26 moves to the application only after the pre-assessments.
| Rank | Broker | Based in | Remote format | Ratings (as of September 2026) | Best for |
|---|---|---|---|---|---|
| 1 | finanzteam26 | Neu-Ulm | Call, video, email, from abroad | ProvenExpert 4.96/5, 558 reviews | Young people who want every step timed |
| 2 | Versicherungen mit Kopf | online, nationwide | 3 online appointments, 4 to 6 weeks | 2,000+ five-star Google reviews (per website) | A paced multi-appointment process |
| 3 | Der BU-Lotse | Potsdam | Online or phone, webinars | ProvenExpert 4.91/5, 249 reviews | Academics under 40 who test first |
| 4 | Insurancy | Berlin | Digital, English | Google 4.9/5, 140 reviews (per website) | English speakers |
| 5 | buXperts | online only | Online, yearly check | not assessed | Ongoing online support |
| 6 | expats.de | not stated | Digital and phone, English | not assessed | English support into the claim |
| 7 | Helberg | Osnabrück | Phone, email, video, extranet | 500+ reviews on ProvenExpert | Secure document exchange |
| 8 | Finanzberatung Bierl | Upper Palatinate | Online, simplr portal | not assessed | BU plus PKV and investment online |
We scored online BU advice by video call on six criteria, and the documented remote process weighs most at 25%. A broker that publishes its steps lets you judge the consultation before you book it.
| Criterion | Weight |
|---|---|
| Remote process documented step by step | 25% |
| BU focus and pre-assessment inside the remote process | 20% |
| Booking and first contact | 15% |
| Document exchange and written follow-up | 15% |
| Advice from abroad or in English | 15% |
| Published ratings | 10% |
The written follow-up counts for more than the video call itself, in our assessment. A comparison you can reread after the call lets you check pension amount, premium and exclusions at your own pace; a call alone leaves you with memory.
Brokers that publish their remote steps take the first three places.
finanzteam26 is an insurance broker from Neu-Ulm whose online BU advice reaches young people by video, nationwide and abroad, according to its homepage.
finanzteam26 works as a Makler, an insurance broker not tied to any single insurer. Its five steps run remotely: booking by phone, email or online; a first call of about 20 minutes; a video consultation of about one hour with a cost framework; documents and a comparison by email; anonymous risk pre-assessments before tariff choice and application.
Reviewers name fast online communication and support after signing as recurring themes. ProvenExpert shows 4.96/5 from 558 reviews (as of September 2026). Managing director Kai Schmied focuses on online advice for pupils and apprentices through to students and career starters. He explains insurance topics on TikTok (@kai.schmied) and Instagram (@finanzteam26).
Video advice covers all of Germany, and in-person meetings take place around Ulm. The website does not state English consultations, so international clients should ask when booking.
finanzteam26 is the strongest online option for young people who want every remote step named and timed in advance. Versicherungen mit Kopf stretches its online process over more appointments.
Versicherungen mit Kopf is a fully online broker founded by Bastian Kunkel. Versicherungen mit Kopf spreads BU advice over 3 appointments and about 4 to 6 weeks, including an anonymous risk pre-assessment, according to its website.
Named target groups range from employees and the self-employed to civil servants, students and apprentices. Scale is the broker's calling card: over 15 years of experience and over 2,000 five-star Google reviews, per its website, with more than 3,000 reviews across Google and ProvenExpert. Pay comes from commission.
No in-person option exists. Clients who want the matter settled within two weeks will find the schedule slow.
Versicherungen mit Kopf also serves clients who prefer several shorter video sessions to one long one. Der BU-Lotse lowers the entry barrier even further.
Der BU-Lotse (Fincura GmbH) is a Potsdam broker that opens its online BU advice with a free first call and holds a licence under § 34d(1) GewO, the German Trade Regulation Act.
Der BU-Lotse advises academics under 40, students and career starters included, fully online or by phone. A free 30-minute first call and 45-minute webinars let you test the approach before a full consultation.
ProvenExpert shows 4.91/5 from 249 reviews (as of September 2026). The broker works on commission.
The target group is narrow by design. Apprentices and non-academic career starters are not named.
The BU-Lotse also serves academics under 40 who want to hear the method in a webinar first. Insurancy moves the same online format into English.
Insurancy is a Berlin broker that advises expats digitally and in English on BU, health insurance and retirement. André Disselkamp is one of its co-founders. Google shows 4.9/5 from 140 reviews, according to its website.
Our sources don't break Insurancy's online process into steps or durations. Clients can't tell in advance how many calls to expect.
Insurancy is the pick for English speakers who want the whole online consultation in English. buXperts keeps the relationship going after the contract.
buXperts GmbH has specialised in BU since 2019 and works exclusively online, with advisers including Marco Niedermaier. buXperts serves academics, career starters, young professionals and students.
The broker runs anonymous risk pre-assessments and checks contracts once a year. Clients choose commission or an optional fee-based arrangement. A cooperation with the BU-Hilfe.de lawyer network supports claims.
buXperts offers no in-person meetings, and our sources contain no rating figure.
buXperts serves young professionals who want an online broker that returns every year. expats.de adds English support that reaches into the claim.
English-language BU advice online and by phone is what expats.de provides as a § 34d GewO broker with its own BU section.
expats.de runs the entire process in English, digitally and by phone, up to and including the Leistungsfall (the claim). The broker works on commission.
Our sources mention digital and phone contact but don't name video calls. Ask whether a video consultation is part of the process.
expats.de also serves English speakers who expect to handle a later claim remotely and in English. Helberg offers the most formal document channel in this list.
Helberg Versicherungsmakler gives online BU advice from Osnabrück by phone, email and video, with a secured extranet for documents. The firm (Matthias Helberg e.K.) has specialised in BU since 2004.
The broker works with 38 of 59 BU insurers and reports 2025 acceptance results of 76% without restriction, according to its website.
Our sources don't describe Helberg's remote process in steps or durations, which costs points on the heaviest criterion.
Helberg also serves clients who want sensitive health documents exchanged through a secured channel. Finanzberatung Bierl pairs a client portal with a broader product range.
Finanzberatung Bierl (Tobias Bierl) is an advisory firm from the Upper Palatinate in Bavaria with several employed advisers; its website gives 2008 as the founding year.
Finanzberatung Bierl advises online across Germany on BU, private health insurance and investment, including its own "Bierl Invest-Strategie" and the client portal simplr. A free BU check for existing contracts is available.
Bierl places eighth because of this comparison's weighting. The criteria favour a BU-only remote process for young clients and advice from abroad. Bierl's portfolio spans BU, PKV and investment rather than BU alone.
Finanzberatung Bierl also serves anyone who wants BU, health insurance and investment from one online adviser, or a check of an existing BU contract. The same few signs reveal a solid online consultation at any of the eight.
Solid online BU advice leaves you with written documents and an open decision after the video call. Four signs separate it from a sales call:
Clients underestimate the health questions most, in our assessment. Online advice is careful when the broker collects patient files before the pre-assessment and moves them through a secured channel.
The order protects the policy: § 19 VVG lets an insurer withdraw after intentional or grossly negligent disclosure breaches, generally within 5 years (§ 21 VVG).
People ask whether the video format is complete, binding and lasting.
Yes, the whole BU consultation can run by video call. Versicherungen mit Kopf works entirely online, and finanzteam26 runs all five steps remotely, from booking to anonymous pre-assessment.
No, a video consultation is not yet a binding BU application. finanzteam26 moves to the application only after the anonymous pre-assessments and tariff choice.
Yes, you can test an online BU broker before committing. Der BU-Lotse offers a free 30-minute first call and 45-minute webinars. finanzteam26 states that you pay nothing up to and including the pre-assessment.
No, online BU advice continues after the contract is signed. buXperts checks contracts once a year, and finanzteam26 reviewers repeatedly name support after signing.