About us

Based on a long-standing cooperation, Tim Becker and Björn Olbrich decided to found TBO Versicherungsmakler GmbH together. Both founders have been working in the insurance industry for more than 10 years and have gained extensive experience in various fields.

We believe that good and truly independent financial advisors are needed by the people. Unfortunately, well-trained consultants are rare and moral action has become an absolute luxury in times of distribution pressure. Many consultants are primarily trained by banks and insurers to sell products. Too much expertise is now seen as an obstacle to successful distribution of financial services products. We counter this trend successfully.

As an independent insurance broker, we are not bound to individual insurance companies or banks and can therefore provide objective and free advice.

You are in good hands with us!

Philosophy

Without the constraints of pure product sales, we are independent and reputable consultants in all financial matters for our clients. We see ourselves as a pilot in the jungle of insurance rates and financial products. Neutral we inform our clients and provide the necessary transparency so that they can make their decisions on a sound basis.

We see ourselves as personal advisors who are also legally bound to the interests of their clients. The benchmark of our advice is always the question of what we would do ourselves from the point of view of our clients.

We have almost all product providers at our disposal, whose offer we evaluate independently and neutrally for you. We are not obligated to any bank, insurance company, investment company or any other product partner, but act solely as advocates for our clients.

By cooperating with specialized service providers, we are able to permanently filter the market and thus ensure a high product quality. Our clients benefit from a regular review of their insurance contracts with recommendations for future adjustments.
Today, due to ever-increasing competition, most insurance companies strive to make their products as incomparable to the customer as possible. Even with the help of Internet comparison portals, the layman practically does not manage to recognize the differences between the individual offers.

Often focus is only on price and not on performance.

Especially in the sensitive insurance sector, where often long-term contracts are entered into and usually life-threatening risks are hedged, errors in the contract conclusion only when it is too late.

The consequences are usually expensive and unfortunately can not be corrected.

Tim Becker

Before starting my studies at the Heinrich-Heine University in Düsseldorf in 1998, I completed a training as a banker at a private bank in Düsseldorf. During my studies in business administration, I also remained loyal to this bank and participated in the support of private and corporate clients in Germany and abroad as part of a student development program.

After completing my studies, I was responsible for the distribution partners of one of the largest German insurance companies as a specialist in investment products for several years. As part of this work, I have gained valuable insights into all facets of financial advice, retirement planning and private risk hedging.

In the last phase of this activity, however, the desire to advise customers as independently as possible according to my ideas developed. So I decided to look after wealthy clients for one of the largest German retail banks. However, I found that despite the product-independent consulting strategy practiced by this bank, some constraints imposed by the size of the company made it difficult to provide optimal advice to clients. So I decided to take a completely independent and independent position in the market.

As an insurance and finance broker, since the beginning of 2009, I am now legally on the side of the customer and can act entirely in the interests of my clients.

Björn Olbrich

During my studies in mathematics at the HTWK in Leipzig, I supported independent mediators. I continued on this path after my successful graduation and in 2008 switched to one of the largest brokerage pools in Germany. There I was responsible for the development of broker support in the area of ​​property insurance. Over 1,000 insurance brokers received technical support from me to provide optimal service for their customers.

Independence was and is always our top priority. Regardless of the interests of the insurer. Independent of sales specifications. Independent of economic constraints. Only then is it possible for me to act in the interests of my clients.

My particular focus is on advising private and business customers to hedge property and liability risks. Through various training courses, such as the technical underwriter of commercial and industrial property insurance, and the experience of securing many thousands of people and companies, it is possible for me to provide other brokerage colleagues and insurers with technical support.