Frequently Asked Questions
Insurance planning can feel like learning a foreign language. Honestly, it shouldn't. We've collected the questions our clients actually ask — the ones they're too polite to ask over the phone. Scroll through. If something's still fuzzy, call us. We don't bite.
We help you protect what you've actually built. Not with vague promises. We structure wealth insurance plans that account for your specific situation — your assets, your family, your goals. Think of us as the people who make sure your money doesn't disappear into a bureaucratic black hole when life gets messy. We handle everything from estate planning protection to income replacement strategies.
There's no fixed price because, well, every situation's different. A freelancer with 50k in assets needs something completely different from someone with a property portfolio. We quote based on what you actually need. Most clients spend between 200-800 euros annually depending on coverage scope. No hidden fees. No surprise charges. We tell you the price before you commit.
Initial consultation to implementation? Usually 3-4 weeks. We gather your info, build your plan, get you to review it, make adjustments, then lock it in. Some cases move faster. Complex situations take a bit longer. Nobody rushes through this — it's too important. Once it's live, adjustments happen whenever circumstances change.
Actually protected. Our plans are backed by licensed insurers regulated by Romanian authorities. Your coverage isn't some pinky promise — it's a legal obligation. We design these specifically so claims get paid when they need to. We've seen policies fall apart because of poor wording. That's exactly what we prevent. Documentation's airtight.
We're based in Constanța, but geography's less of an issue now. We work with clients across Romania and handle international wealth situations too. Much of what we do happens via phone, email, and video calls. If you need to meet face-to-face, we're at Calea Victoriei 171. Otherwise? We'll make the distance work.
Three ways work: call +40 784 548 932 (we answer our phones like normal people), email [email protected], or swing by the office. Whichever's easiest for you. First conversation's free. No pressure to commit. We'll explain what we do, figure out if you need what we offer, and go from there. Simple.
Not necessarily. Life shifts — businesses grow, kids arrive, property values change. We review plans regularly and adjust when needed. Some changes require minor tweaks. Others mean restructuring. Rather than abandoning what's working, we modify it. That's why ongoing communication matters. Call when something significant happens. We'll assess what needs adjusting.
That's actually where we're particularly useful. Self-employed folks face different risks than employees. Business interruption, income gaps, succession planning — these need specialized attention. We've worked with 47 small business owners over the past decade. Your business income is tied to you, so protection gets complicated. That's precisely why you need someone who understands both insurance and entrepreneurship.