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Sophie

Choosing a broker, and checking them

We will not publish a broker ranking: we are a party to it, and a ranking that puts you first is not a comparison. What follows is how to check any of them — including ours.

Tied or untied — the only distinction that counts

An untied intermediary works for you and must be entered in FINMA’s public register. A tied intermediary works for one or more insurers: that is not illegitimate, but it means the comparison presented to you stops at the range they distribute.

The question is simple and rarely answered unprompted: «are you tied or untied, and how many insurers do you represent?» An evasive answer is already an answer.

Checking the register, in two minutes

FINMA’s public register is online and free. You search the company name or the registration number, and the detail page shows the exact legal name, the address, tied or untied status, the date of first registration, and the branches covered.

If the number you were given does not match the name of the company talking to you, that is not an administrative detail: it is the sign to ask, in writing, what the link between the two is before going any further.

What drives the price

  • Status: intermediary tied to an insurer, or untied.
  • Registration with FINMA, and its date.
  • How they are paid: commission from the insurer, or fees you pay.
  • The number of insurers actually represented.

We show no tariffs on this page. Unlike LAMal premiums, no public register publishes prices for this branch: they depend on your profile and are calculated case by case. Quoting a figure here would be an invention.

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