Mission & Vision and Our Code of Conduct
As an independent insurance broker at Havel Spree Finanz I focus on protecting freelancers, expats and emigrants worldwide. Your working situation differs fundamentally from classic permanent employment – so you need different solutions.
Our mission
My mission is to take exactly these particular requirements into account and to build insurance packages that cover your personal and professional life alike. Instead of standard solutions, the result is a personalised strategy oriented to your actual needs and your location – whether you live in a neighbouring European country or work on another continent.
To do that I work continuously with leading insurance providers and keep my knowledge current. With international plans that is not an end in itself: areas of cover and policy wordings change, and anyone who does not follow them ends up recommending protection that no longer exists in that form.
Our vision: security without borders
The vision is "security without borders". Physical borders should have no bearing on how well you are protected. Whether Berlin or Bangkok – you should know that your cover works.
This international mindset makes it possible to offer products that apply across borders while being aligned with the legal requirements and cultural differences of the respective countries. What that means in practice can be seen in topics such as liability with worldwide validity or health insurance abroad.
Our code of conduct
Five principles you can hold us to:
- Independence: we work as brokers under §§ 93 ff. of the German Commercial Code on behalf of our clients – not on behalf of an insurance company.
- Transparency: we disclose benefits, exclusions, terms and our remuneration. Even when that makes a recommendation look less attractive.
- Clarity: advice without jargon, in German and English. Anyone who does not understand a policy cannot use it when it matters.
- Honesty about limits: we also say when insurance is unnecessary or when we cannot cover a situation.
- Commitment after signing: support does not end with the signature. In a claim you are not on your own.
How the consultation works
Every new contact begins with a detailed conversation in which we work out together which solutions make sense for you. Transparency and trust come before the sale, not the other way round.
Ultimately this is not about selling insurance but about building a long-term partnership on equal terms. The aim is that you can do what you do best, wherever you are.
More about the person behind this approach: who we are and why Spreefinanz. Our position on sustainability is at sustainability preferences.
Let's talk. Contact us on WhatsApp (+49 151 28937141) or via the contact form.
Frequently asked questions about how we work
What does "security without borders" mean concretely?
That your insurance cover does not stop at a national border and does not have to be rebuilt when you move. In practice: plans with worldwide validity, clear rules for changes of residence, and support that is reachable across time zones.
Do you sell even when I do not need insurance?
No. Part of our code of conduct is to say openly when insurance is unnecessary or when an existing contract is sufficient. That is the difference between advice and sales.
How do you make sure your advice is up to date?
Through ongoing cooperation with the insurance companies and through memberships in industry associations. With international plans in particular, areas of cover and policy wordings change regularly, so watching the market is part of the job.
In which language does the consultation take place?
In German and English. For us, being understood is part of the result: anyone who does not understand a policy will report a claim incorrectly or too late.
Want to know how this applies in your case? Book a free initial consultation.
Take the Next Step Towards Security
Don't settle for half-baked solutions. Your life and ambitions deserve the best protection. Together, let's discover how you can feel completely secure.
Why SpreeFinanz?
A mission and a code of conduct are only worth as much as their implementation. These four points are ones you can test in the consultation.
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We are quickly
reachableVia WhatsApp, video call or phone – across time zones, because availability abroad is part of the service.
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We work
transparentlyBenefits, exclusions and our remuneration are on the table – even when that makes a recommendation sound more sober.
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We think
situation-basedPersonalised strategies instead of standard packages: your location and your status determine the solution.
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We stay with you
after signingA partnership on equal terms means support does not end with the signature.
