Dialog Lebensversicherung, which belongs to the German Generali group, has been active in Austria since 1991. Since 2003, the special insurer for biometric risks sells its solutions exclusively through brokers. With Florian Sallmann, the company has a new Sales Director since December 2021, and he is also Head of Broker Generali Deutschland AG. Dialogue is not a completely new environment for him, as the sales professional previously worked for the company as Head of Sales and Head of Alternative Channels and Partnerships. He is also no stranger to the Austrian market, as Sallmann studied insurance and risk management at the Vienna University of Economics and Business. Now, Sallmann’s clear goal is to incorporate his international experience into the Austrian business as well.
However, the issue of continuity is the top priority, as the sales professional explains: “We are very well positioned in the market and we want to continue the good relations with our partners. In the area of digitization and processes, we want to continuously improve ourselves The innovations that we develop together with our partners in Germany, we also want to make available here on the site “. For Dialog Austria’s veteran director, Willi Bors, they want to offer stability even in today’s difficult times. “In the past, there have always been foreign direct insurers that were briefly active in the market and then disappeared again. We are certainly not one of them. We are a service insurer and we represent stable premiums. Our capital ratio and solvency are at a very high, and that is definitely a guarantee for future premium stability. We have never increased existing premiums and the key figures make it clear that we will not do so in the future either,” says Bors.
Sallmann and Bors advise credit intermediaries to be careful in the area of term life insurance, which is used primarily to guarantee loans, as more and more banks no longer require term life insurance. “Intermediaries really shouldn’t underestimate the liability risk here, it is their responsibility to insure this risk for the client,” explains Sallmann.
In the series of photos above, we have compiled key statements from the interview with Florian Sallmann and Willi Bors. (GP)
You can find the full interview in the current issue 2/2022 of FONDS profi, which has now been released to readers.