Insurances, investments or mortgages. You can buy them everywhere. After a sales appointment with a company representative, online on the company’s homepage or completely retro filling out a boring paper application form and submitting it via “snail mail”. It is so easy buying complex products.

If the chosen products are truly the best solution for your personal situation and if they fulfill your expectations when you need them most, you find out, when you are lacking the most important factor. Time.

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