Why we are not MLP
We don't argue against it. We build Pari so that every structural reason for distrust is eliminated, publicly verifiable, not just a marketing promise.
Pari nimmt keine Abschluss-Provision von Versicherern. Wir verdienen ausschließlich an einem transparenten Honorar (Studierende kostenfrei). Unser Ranking ist deshalb provisionsblind, die günstigste Effektivkosten-Variante steht immer oben, egal ob der Anbieter mit uns kooperiert.
MLP / direct sales earn 2.5 to 5 % of your BU premium sum as a closing commission. You pay it as a surcharge over the entire contract term (40+ years).
0 % commission. We earn exclusively through a transparent fee, usually free for students. Evidenced by the effective costs in our comparison.
A typical MLP portfolio changes adviser every 18 months. You re-explain your situation every 1.5 years.
Pari Founders Program: assigned once, same adviser for at least 5 years. Agreed in writing.
You don't know who your adviser is, what expertise they have, or what sales targets they must hit.
Every §34d Pari adviser has a public profile with photo, IHK qualification certificate, number of past consultations, and average fee. Visible before every consultation.
Policy documents: 18 pages of fine print. The problematic clauses are on page 12.
Clause translator required: before every application you see a plain-language summary of all relevant clauses, with verdict ok/warning/critical.
When you file a claim, you get a different case handler. Your adviser earns nothing from it and doesn't follow up.
Pari Claims Concierge: we handle claims correspondence for you, free of charge, for any of your policies, including ones we didn't arrange.
Insurers / brokers are audited exclusively by BaFin. The consumer perspective plays no role.
Methodology publicly versioned. Verbraucherzentrale audit of the comparison methodology planned for 2026. Stiftung Warentest invitation follows after 12 months of data.
Insurer rankings are based on marketing data or paid pseudo-tests.
Pari Claims Settlement Score: aggregated ratings from real claims experiences of our users. Published quarterly.
Cancelling BU within the first 5 years costs your MLP adviser 4 monthly premiums. They will actively discourage you.
Pari earns nothing from keeping you in a bad plan. We'll even write the cancellation for you and may cover the clawback amount from your old broker.
This page is GitHub-versioned (correction log at github.com/getpari/manifest ). If any statement is factually wrong, write to us at wahrheit@getpari.de. We respond within 7 days and correct publicly, with date and version. No deletions.