IKV Finanz
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INSURANCE BROKER IN GERMANY

Choose with clarity.
Move forward
with confidence.

Life changes. Your insurance should keep up. I help you understand your policies and choose protection that fits your needs.

Find your first step Explore insurance

In German, Croatian and English. Clear and understandable.

Personal conversation
Comparison based on your needs
Clear next steps

YOUR LIFE. YOUR PROTECTION.

Understand insurance.
Choose suitable cover.

Explore personal and business insurance, organised around the areas of your life.

Personal insurance

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Health

Private health insurance (PKV)

Understand your healthcare options before making a long-term decision.

Learn more Health

Statutory health insurance (GKV)

Understand statutory benefits, contributions and your choice of health fund.

Learn more Health

Supplementary hospital insurance

Consider additional comfort and treatment choices in hospital.

Learn more Health

Supplementary dental insurance

Consider additional cover for dental treatment and replacement teeth.

Learn more Health

Supplementary outpatient insurance

Additional benefits for care outside hospital.

Learn more Health

Supplementary long-term care insurance

Plan for the financial effects of needing care.

Learn more Retirement planning

Private pension insurance

Build a clearer plan for additional income in retirement.

Learn more Retirement planning

Altersvorsorgedepot – retirement investment account

Understand the new retirement option starting in 2027.

Learn more Retirement planning

Rürup pension (Basisrente)

Understand basic pension provision and its long-term commitment.

Learn more Retirement planning

Riester pension

Review existing subsidies and the transition to new retirement products.

Learn more Income & family protection

Private occupational disability insurance

Your ability to work supports your income. Let us discuss how to protect it.

Learn more Income & family protection

Term life insurance

Help protect the people who depend on you.

Learn more Income & family protection

Personal accident insurance

Prepare for the financial effects of a serious accident.

Learn more Income & family protection

Funeral expense insurance

Plan for funeral costs and ease the burden on relatives.

Learn more Home, property & legal protection

Personal liability insurance

A small mistake can have serious consequences. Let us review the cover you need.

Learn more Home, property & legal protection

Legal expenses insurance

Understand which legal costs can be insured.

Learn more Home, property & legal protection

Home contents and glass insurance

Protect the belongings that make your home yours.

Learn more Home, property & legal protection

Residential buildings insurance

Your property is a major asset. Let us check how it is protected.

Learn more Vehicles

Car insurance

Choose cover that matches your vehicle and how you use it.

Learn more Vehicles

E-scooter insurance

Arrange suitable cover for a road-approved electric scooter.

Learn more Pets

Pet health and surgery insurance

Compare health and surgery cover for dogs and cats clearly.

Learn more Pets

Pet owner liability insurance

Cover your responsibility for damage caused by your animal.

Learn more Travel & other cover

Travel insurance

Choose protection for your trip, its cost and the people travelling.

Learn more Travel & other cover

Travel medical insurance

Plan for medical treatment abroad and possible repatriation.

Learn more

Swipe left or right · all topics are also available in the overview

Business insurance

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Swipe left or right · all topics are also available in the overview

View all insurance topics

REVIEW WHAT YOU ALREADY HAVE

Does your cover still fit?

A structured review gives you a clearer overview. Choose the topic you would like to assess together.

01

Insurance review

Have your insurance reviewed independently: identify gaps, understand overlapping cover and make decisions with a clearer overview.

Explore this review 02

Occupational disability review

Does your occupational disability cover still fit your income and commitments? Let us clarify that independently and in plain language.

Explore this review 03

Private health insurance review

Understand your private health insurance: put benefits, personal contributions and long-term premiums into context.

Explore this review 04

Retirement planning review

Gain a clear overview of your retirement provision, with understandable answers about entitlements, costs and your goals.

Explore this review 05

Business insurance review

Check whether your business insurance fits your operations, from actual activities to your workforce and vehicle fleet.

Explore this review

YOUR FIRST STEP

What matters to you
right now?

Two short questions to help you get started. Choose your concern and see the topics we could discuss together.

No personal details needed.
Your answers stay in your browser unless you choose to send them.

01 / YOUR CONCERN
What would you like to discuss?

Choose the topic that matters most to you right now.

Question 1 of 2

FROM YOUR QUESTION TO A PLAN

At your pace.
With a clear direction.

A good decision starts with understanding. Each step helps you make an informed choice.

01

We talk

What cover do you already have? What has changed? Together we clarify your needs, priorities and budget.

02

We compare

We review options, costs and important conditions. Ask about anything that is still unclear.

03

You decide

You choose a solution once you understand it. We discuss the documents and next steps.

IKV Finanz
TUTZING, GERMANYDE / HR / EN

THE PERSON BEHIND IKV FINANZ

Ivan Krolo.
Your contact for insurance.

In 2015, I successfully completed my vocational training as a Kaufmann für Versicherungen und Finanzen. I then earned the advanced qualification Fachwirt für Versicherungen und Finanzen and completed my B.A. Insurance Management at TH Köln. I have worked in the insurance industry for over ten years.

I made a deliberate choice to become an insurance broker because I want to advise my clients fairly and independently. I am not tied to a particular insurance company. Your needs come first. I explain the details clearly, compare suitable options and gladly make time for your questions. It matters to me that you understand your cover and feel comfortable with your decision.

Outside work, I am married and have a young daughter. I therefore know from personal experience how much family security and reliable planning for the future matter.

I am happy to advise you in German, Croatian and English, either in person or online, whichever suits you best. You can contact me by email, phone or WhatsApp. Whether you have a specific question or would first like an overview of your insurance, I look forward to getting to know you.

Let us get to know each other

LET US START WITH A CONVERSATION

Have a question?
I am here to help.

Tell me what matters to you. A few sentences are enough to get started.

CALL ME+49 176 83483053 EMAIL MEinfo@ikv-finanz.de MESSAGE ON WHATSAPPOpen chat

Ivan Krolo · IKV Finanz
Zugspitzstr. 4 · 82327 Tutzing · Germany

What would you like to discuss?

Send me your enquiry directly. I will respond using your preferred contact method.

Please do not include medical details, bank account numbers or personal documents in your first enquiry.

Your details are used to handle your enquiry.

CLIENT EXPERIENCES

Experiences with IKV Finanz

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IKV Finanz · Ivan Krolo
Ivan Krolo · Insurance broker
Zugspitzstr. 4, 82327 Tutzing, Germany
+49 176 83483053
info@ikv-finanz.de

Insurance broker authorised under section 34d(1) of the German Trade Regulation Act (GewO). Registration number: D-X0JO-G7PO4-93.

Competent authority: IHK für München und Oberbayern, Max-Joseph-Str. 2, 80333 Munich. You can check the registration in the intermediary register

Further information about the broker, professional rules and complaints procedures is available in the official legal notice and the Broker disclosure.

Your privacy

The needs questionnaire runs in your browser. When you submit the contact form directly, your name, contact details, preferred contact method, topic and message are processed through Formspree and forwarded to IKV Finanz. Enquiries are not kept in this website’s storage. Please do not send medical details, account numbers or personal documents through the form.

We use Formspree to transmit the contact form. That provider may also process and store technical data and form submissions, including in the United States. For more information, please see Formspree’s privacy policy. Formspree

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When you open an email app or an external link, the respective provider’s rules also apply. We use your email to respond to your enquiry and arrange the next steps.

For questions about the processing of your data, contact Ivan Krolo, Zugspitzstr. 4, 82327 Tutzing, at info@ikv-finanz.de. Under applicable data protection law, you may request access, correction or deletion of your data.