Insurance that works for you.

We compare disability (BU), life insurance and contents cover by effective cost (RIY) and annuity factor, not by star ratings or commission. You pay no advisory fee; we earn no sales commission.

0 % commission · §34d fee-only adviser0 € advisory fee for studentsOpen methodology

Student rate

LV1871 · 50 % off for the first 6 years

As a student, take out a BU (disability) or unit-linked pension now and pay only half the premium for six years. Your health assessment will never be cheaper than it is today.

At 60 €/mo BU

2.160 €

saved over 6 years

At 100 €/mo pension

3.600 €

saved over 6 years

Calculate my student rate

Why Pari?

Ranked by effective cost

We sort by RIY (Reduction in Yield), annuity factor and policy-quality score, not by star ratings, not by commission.

0 % commission

We take no sales commission from insurers. Fee-only advice instead of sales pressure. For students: no advisory fee either.

Professional group collective

500+ doctors, engineers or teachers negotiate a group contract with us. No other platform can do this.

What we cover

Four areas

Disability insurance (BU)LV1871, Alte Leipziger, Swiss Life, HDI, Continentale, Volkswohl Bund, Allianz, ERGO Life & pensionTerm life, unit-linked pension, Riester, Rürup Contents & liabilityAdam Riese, Helden, BavariaDirekt, Haftpflichtkasse, InterRisk, Domcura Private vs public healthLifetime premium forecast, switching advice with a §34d adviser

Open methodology

We publish our calculation formulas, policy-quality weightings, and all (present or absent) commission revenue on a public wiki page. Check24 cannot do this, their business model is commission. We can, because ours is not.

View methodology