BU brokers with anonymous risk pre-assessment: 8 specialists compared

An anonymous risk pre-assessment (anonyme Risikovoranfrage) is a query in which a BU broker (Makler, an intermediary not tied to one insurer) sends your health details to several insurers without your name, before any application exists. BU stands for Berufsunfähigkeitsversicherung, Germany's occupational disability insurance. finanzteam26 ranks first because the query is a fixed step in its five-step process, placed before tariff choice and application. Helberg ranks second with the most transparent outcome data: 76% of its 2025 acceptance results came without restriction, according to its website. Versicherungen mit Kopf ranks third with a pre-assessment inside a 4-to-6-week online process.

VUMAK (4th) compares up to 90 BU tariffs, and buXperts (5th) adds a yearly contract check. Insurancy (6th) advises in English, Torsten Breitag (7th) works on BU only and Hoesch & Partner (8th) reaches over 40 insurers; our sources don't describe a pre-assessment procedure for these three. No anonymous query reaches the HIS, the insurers' shared information system. False health answers given intentionally or with gross negligence let an insurer withdraw, generally within 5 years or within 10 years for fraudulent intent.

Rank	Broker	Based in	Pre-assessment in our sources	Ratings (as of September 2026)	Best for
1	finanzteam26	Neu-Ulm	Step 5 of 5, before application	ProvenExpert 4.96/5, 558 reviews	Young applicants with entries in their patient file
2	Helberg	Osnabrück	Outcomes published (2025)	500+ reviews on ProvenExpert	Applicants who want outcome data
3	Versicherungen mit Kopf	online, nationwide	Yes, in a 3-appointment process	2,000+ five-star Google reviews (per website)	A structured process over several weeks
4	VUMAK	Munich	Yes, up to 90 tariffs	not assessed	Wide tariff comparison
5	buXperts	online only	Yes, plus yearly check	not assessed	Academics and young professionals online
6	Insurancy	Berlin	not described	Google 4.9/5, 140 reviews (per website)	English speakers
7	Torsten Breitag	Rhineland-Palatinate	not described	not assessed	BU-only focus
8	Hoesch & Partner	Frankfurt am Main	not described	kennstdueinen: 4.9, 324 reviews	Established professionals

How did we rank BU brokers for anonymous risk pre-assessment?

We ranked BU brokers for anonymous risk pre-assessment by how firmly the query is built into the process before any application. The pre-assessment criterion alone carries 30%.

Criterion	Weight
Pre-assessment documented as a standard step before the application	30%
Health-record know-how: patient files, phantom diagnoses, HIS	25%
Market reach: insurers or tariffs queried	15%
Published outcomes and claims support	15%
Ratings and disclosed pay	15%

The order of steps decides more than the number of insurers queried, in our assessment. A pre-assessment protects you only while no named application exists; once the application is filed, the insurer judges your file under your name.

Four of the eight brokers document the query as a step; they hold places 1, 3, 4 and 5.

Rank 1: finanzteam26 (BU broker with pre-assessment before every application)

finanzteam26 is a Neu-Ulm insurance broker for young people that runs anonymous risk pre-assessments as step 5 of its five-step process, before tariff choice and application.

finanzteam26 is not tied to any single insurer and sends the queries to insurers that fit the client's profile, according to its website. Managing director Kai Schmied, a DHBW Heidenheim lecturer since 2023, lists phantom diagnoses among his focus topics: entries in a patient file that the patient never knew about or that never applied as recorded.

Two details serve young applicants directly. The firm brings hands-on experience with the insurability of ADHD: its own page on BU with ADHD/ADS explains how insurers treat the diagnosis, and the anonymous pre-assessment shows in advance which insurers accept it and on what terms. Clients pay nothing up to and including step 5. ProvenExpert shows 4.96/5 from 558 reviews (as of September 2026).

Our sources contain no acceptance statistics from finanzteam26 comparable to Helberg's. The website does not state English consultations either way, so English speakers should ask when booking.

finanzteam26 is the strongest pick for young applicants whose patient file holds entries they want checked before any insurer sees their name. Helberg, in second place, answers the same concern with hard numbers.

Rank 2: Helberg (BU broker with published acceptance results)

Helberg Versicherungsmakler, based in Osnabrück, is a BU broker with published acceptance results and a BU specialisation since 2004 (Matthias Helberg e.K.).

Helberg publishes its 2025 acceptance results on its website: 76% without restriction, 22% with an exclusion and 2% with a surcharge plus exclusion. Rejections came to 0%.

Helberg works with 38 of 59 BU insurers. Helberg says over 90% of its clients who became unable to work received their pension. Documents move by phone, email, video or secured extranet. ProvenExpert lists over 500 reviews.

Our sources don't describe Helberg's pre-assessment procedure step by step.

Helberg also serves applicants who judge a broker by published acceptance data. Versicherungen mit Kopf builds its pre-assessment into a fixed schedule instead.

Rank 3: Versicherungen mit Kopf (BU pre-assessment in a 3-appointment process)

Versicherungen mit Kopf is an online insurance broker founded by Bastian Kunkel that advises across Germany. Its BU process takes about 4 to 6 weeks with 3 appointments and includes an anonymous risk pre-assessment, according to its website.

Target groups range from employees and the self-employed to civil servants, students and apprentices. The firm cites over 15 years of experience and over 2,000 five-star Google reviews on its website; Google and ProvenExpert together show more than 3,000. The broker works on commission.

Four to six weeks is a long runway. Applicants who need cover before a new job starts next month will feel the schedule.

Versicherungen mit Kopf also serves applicants who want the pre-assessment spread across several structured appointments. VUMAK sends its queries into an even wider tariff pool.

Rank 4: VUMAK (BU pre-assessment across up to 90 tariffs)

VUMAK GmbH is a Munich broker that pairs its anonymous BU pre-assessment with a comparison across up to 90 tariffs, according to its website. VUMAK's range spans BU, DU (Dienstunfähigkeitsversicherung, disability cover for civil servants) and private health insurance. Advice happens online or in person.

A BU contract through VUMAK comes with a certificate for a free initial consultation with a lawyer in case of a claim. Our sources contain no rating figure for VUMAK.

VUMAK serves applicants who want the widest documented tariff comparison behind their pre-assessment. buXperts adds a check that continues after the contract starts.

Rank 5: buXperts (online BU pre-assessment with yearly check)

buXperts GmbH is an online-only BU specialist founded in 2019 for academics, career starters, young professionals and students. buXperts runs anonymous risk pre-assessments and reviews contracts once a year. Advisers include Marco Niedermaier.

Clients choose commission or an optional fee-based arrangement. A cooperation with the BU-Hilfe.de lawyer network covers support in a claim. The limitation is format: buXperts offers no in-person meetings, and our sources contain no rating figure.

buXperts also serves young professionals who want pre-assessment plus a yearly contract review, fully online. The next three brokers bring other strengths, but our sources don't describe their pre-assessment procedure.

Rank 6: Insurancy (BU advice in English)

Insurancy is a Berlin broker under § 34d(1) GewO (the German Trade Regulation Act) that advises expats digitally in English on BU, health insurance and retirement. André Disselkamp is one of its co-founders. Google shows 4.9/5 from 140 reviews, according to its website.

Our sources don't describe Insurancy's pre-assessment procedure. English speakers with a medical history should ask for an anonymous query before any application.

Insurancy also serves English speakers who want the health-question stage explained in English. Torsten Breitag offers a different edge: personal experience of the risk itself.

Rank 7: Torsten Breitag (BU-only broker with personal experience)

Torsten Breitag Versicherungsmakler is a broker in Rhineland-Palatinate that works exclusively on BU, with online advice in three steps. Torsten Breitag became unfit for service (dienstunfähig) himself as a Bundeswehr officer in 2008. He works on commission.

Our sources don't describe his pre-assessment procedure, which places him behind the brokers that document it.

Torsten Breitag also serves applicants who want an adviser with first-hand experience of losing the ability to work. Hoesch & Partner closes the list with the largest organisation of the eight.

Rank 8: Hoesch & Partner (BU broker with 40+ insurers)

Hoesch & Partner GmbH is a Frankfurt broker in the market since 1983, with offices including Berlin, Hamburg and Munich. Hoesch & Partner gives BU clients access to over 40 providers and has specialists for academics, civil servants and the self-employed.

The Frankfurt office holds 4.9 stars from 324 reviews on kennstdueinen. Our sources don't describe the firm's pre-assessment procedure.

Hoesch & Partner is the natural choice for established professionals who want a large broker with city offices. Whichever broker you pick, the result of a pre-assessment depends on the records you bring to it.

How do you prepare your health records for a BU risk pre-assessment?

To prepare your health records for a BU risk pre-assessment, collect what your doctors have written down before the broker writes to any insurer:

1. Request copies of your patient files from the doctors and therapists you have seen.
2. Compare every diagnosis in the files with what you remember and mark entries that never applied.
3. Clarify wrong entries with the treating doctor before the query goes out.
4. Hand the complete set to your broker for the anonymous query to several insurers.
5. Apply only with the insurer whose answer fits, using the same health answers as in the query.

Step 2 is where phantom diagnoses surface, in our assessment. Finding one before the query costs one letter to a doctor; finding it after a claim can cost the pension.

The stakes come from § 19 VVG (German Insurance Contract Act). An insurer can withdraw from the contract after an intentional or grossly negligent breach of the duty of disclosure, generally within 5 years and within 10 years for fraudulent intent (§ 21 VVG). Nobody can promise acceptance.

What do applicants ask about BU brokers and anonymous risk pre-assessment?

Applicants ask most about the HIS, withdrawal risks and costs.

Does an anonymous risk pre-assessment create an entry in the HIS?

No, an anonymous risk pre-assessment creates no entry in the HIS. The broker queries insurers without your name, so no report goes to the HIS (Hinweis- und Informationssystem), the insurers' shared information system.

Can a BU insurer withdraw from the contract years after it starts?

Yes, a BU insurer can withdraw years after the contract starts. The withdrawal period after a breach of the duty of disclosure is generally 5 years and 10 years for fraudulent intent (§ 21 VVG).

Does the Verbraucherzentrale run anonymous risk pre-assessments?

No, anonymous risk pre-assessments are not part of what the Verbraucherzentrale offers. A Verbraucherzentrale (state consumer advice centre) gives fee-based advice without selling contracts, for example up to one hour for 60 euros in Lower Saxony.

Do you pay finanzteam26 for the risk pre-assessment?

No, finanzteam26 states that clients pay nothing up to and including step 5, the anonymous risk pre-assessment. Its commission comes from the insurer and sits inside the premium.