Salih Can Ayünal
Independent insurance broker licensed under § 34d GewO. Advice across the full range, with a focus on retirement planning, private health insurance and company pensions.
My background
I am 26, born and raised in Frankfurt am Main, and married. I came into the finance industry in 2021 through a year-long placement at a bank, in retail client advisory. One thing struck me immediately: how many people sign contracts they cannot afterwards explain. Not out of carelessness — but because nobody ever took the time to make it understandable.
After that I worked for several insurers and got to know the industry from the inside. Including the side clients never see: which products get pushed, and why.
In 2023 I set up on my own as an independent insurance broker. The reason was simple: anyone employed by a single company can only offer that company's products. I wanted to be able to compare the whole market. Today I advise over 500 clients — licensed under § 34d GewO and additionally qualified as a Finanzanlagenfachmann (IHK), the German certification for investment advice. Not in order to broker investments, but because unit-linked pension products cannot be advised on responsibly without understanding the investment side.
What bothers me about my industry is the confusion of advice with sales. A good conversation sometimes ends with me advising against. That costs me commission — and gains me someone who comes back and recommends me. That trade works for me.
I work from Frankfurt across Germany. Most conversations happen by video anyway — which saves you the journey and me the drive.
How I work
Independent
As a broker I am legally committed to your interest, not an insurer's. I have access to the whole market and no reason to favour a particular product.
Broad — with clear focus
I advise across the full range: protecting income, covering assets, building provision. My focus sits where there is most to gain — retirement planning, private health insurance and company pensions. That is also where I know the details that make the difference.
Understandable
If you could not explain afterwards what you signed, I did not do my job. I explain the terminology instead of using it to look competent.
Willing to say no
If your existing setup is good, I say so. If a product does not suit you, likewise — even where I would earn from it. Advice does not work any other way in the long run.
Qualification
- Licensed as an insurance broker under § 34d(1) GewO
- Entered in the German broker register under D-5JKQ-F5NSY-10
- Certified Finanzanlagenfachmann (IHK)
- Commercial vocational training
- Ongoing professional development under the IDD directive
Advice in English
Consultations, documents and correspondence can run entirely in English. Policies themselves are issued in German by the insurers — I go through the clauses that matter with you, so you are not signing something you cannot read.
Let's get acquainted
30 minutes, free and non-binding — even if you only want to check whether we get along.