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Your lawyers for your finances
Law firm for life insurance
Fast, understandable and honest - directly with lawyer Corinna Ruppel
We know how stressful questions about your life insurance can be - especially if the contract wording is unclear or there is a lack of transparency. With in-depth expertise in banking and capital market law, we support you in all phases of your matter - from the initial assessment to out-of-court or in-court settlement. Whether it's a review of your contract documents, incorrect advice or a possible reversal: we provide solution-oriented advice.
Life insurance: securing benefit entitlements
At first glance, a life insurance policy appears to be clearly structured, but in practice complex issues often arise. Legal support is crucial at an early stage, especially if there is a suspicion of incorrect advice or if relevant contract details have not been fully clarified. In our law firm, we deal intensively with the interfaces between life insurance, banking law and capital market law. We check your documents, explain realistic options such as contract adjustments or reversals and are committed to defending your rights. Put your trust in our experienced team – so that you feel confident and competently represented.
"We look for the best solution for you. Sometimes it's to go to court, other times it's to seek an out-of-court settlement. You will always receive open and honest advice from us."
On site and across Germany
Clients' experiences with us
Life insurance: Legal aspects and support from CDR Legal
CDR Legal provides you with competent support in all legal matters relating to your life insurance. Our law firm stands for sound expertise, individual advice and full transparency – starting with a free initial consultation. You should not hesitate to seek legal assistance at an early stage, particularly in the case of complex contractual arrangements or if you suspect that you have received incorrect advice.
Legal classification and technical explanations
Life insurance is a long-term contract that is not only about financial protection, but also about numerous legal aspects. The focus is often on advisor liability. This term describes the obligation of the intermediary – such as the insurance broker or agent – to disclose all relevant information completely and correctly. If this duty of care is breached, claims for damages may arise or even the possibility of rescinding the life insurance policy may be considered.
Another key aspect is incorrect advice. This occurs if your interests as the policyholder are not adequately safeguarded due to incomplete or incorrect information being provided. This is often due to a gross breach of duty of care on the part of the consultant. Contract interpretation is also of crucial importance, as unclear or ambiguous wording can lead to lengthy disputes. A precise interpretation of the contract, always taking your interests into account, requires sound legal expertise.
Practical recommendations for your life insurance cover
If you recognize any indications of discrepancies or suspicion of incorrect advice in your life insurance contract, you should proceed systematically. We recommend the following steps:
- Contract review: Check your insurance documents carefully. Pay particular attention to unclear clauses and formulations where you have the impression that your interests have not been optimally taken into account.
- Documentation: Keep a record of all consultations and record important details – date, content and persons involved – in writing. Complete documentation serves as valuable evidence.
- Independent legal advice: Arrange a free initial consultation with us. We will provide you with an independent assessment of your individual situation and explain to you what legal claims are possible.
- Obtaining information: Find out about the applicable liability regulations. Knowing your rights helps you to effectively enforce claims in the event of a breach of the duty of care.
- Weigh up your options: Together with a specialist lawyer, check whether rescission of the contract or alternative measures, such as rectification of the advice, may be promising.
These measures enable you to systematically record the facts of the case and secure your contractual claims in the long term.
Practical examples and measures
Imagine a case in which you have been provided with incomplete key contractual information. Such a scenario – in which critical contract details such as costs, risks and guarantees are not transparently presented – can have serious financial consequences. In these situations, there is often the option of reversing the life insurance policy. Our law firm will examine your case in detail to determine whether a withdrawal from the contract is legally possible and promising.
Special contractual components, such as the assignment of collateral for loans, can also lead to legal complications if they are not sufficiently explained and contractually secured. Such clauses, for example to secure consumer loans by means of life insurance, require careful legal examination – particularly in order to clarify subsequent liability issues.
In addition to these core issues, economic issues such as investment insolvencies can also have an indirect impact on your life insurance. Even if this issue is primarily discussed in the context of capital investments, it underlines the need to carefully review all contractual components – especially in economically difficult times.
We also advise you to consider the following practical measures:
- Thorough review of all contract details for any ambiguities that could lead to later disputes.
- Written documentation of all consultations to secure your evidence requirements.
- Obtain an independent legal assessment at an early stage to fully protect your rights.
- Analysis of the liability clauses in the contract in order to determine possible reversal options.
- Examination of supplementary hedges that also offer protection against future uncertainties.
CDR Legal – your reliable partner in life insurance law
Our law firm only accepts cases with realistic prospects of success. With many years of experience, legal precision and absolute cost transparency, we offer you a well-founded legal analysis of your individual situation. From the initial review of your contract through to strategic advice and final decision-making – we provide you with competent and personal support every step of the way.
Benefit from:
- Advice tailored to your individual needs
- A team of experienced lawyers who prioritize realistic prospects of success
- Full cost transparency so that you have a clear overview even before the collaboration begins
- A quick and well-founded initial assessment that offers you a reliable perspective within two working days
Initial consultation with CDR Legal
Simply fill out the following contact form and we will get back to you promptly for an initial consultation.