Nicole Bohne — Life · Protection · Planning

Nicole spent nine years on the insurer side of the desk — seven at Basler Versicherung in pension planning, two at Zurich Insurance — before crossing to the advisory side. That background matters for one reason: she has seen how these products are built and priced, which is the fastest way to know when one is being oversold.

Life insurance is oversold to internationally mobile people as a category. The selling story writes itself — young family, new country, uncertainty — and the product attached to it is frequently larger, longer and more expensive than the actual gap. Her most common recommendation is a smaller, cleaner structure than the one on the table, and reasonably often the recommendation is none at all.

For the Swiss practice she is registered in the FINMA intermediary register — F01536402, checkable against the register itself. That registration covers Swiss business; on this site she advises internationally, and cover, where placed, is placed through SIP’s licences.

Before insurance there was a first career: professional badminton, ranked among the top hundred in the world. It is not a credential, but it is not nothing either — nobody reaches that level without an unusual relationship to preparation.

Nicole’s reviews are where "should I even have this policy" gets answered honestly. Bring the contracts you hold and the household picture — who depends on whom, what already exists — and expect the protection question settled before any product is discussed.