Ergo life insurance
| ERGO Lebensversicherung AG
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| legal form | Corporation |
| founding | 1899/2010 |
| Seat |
Hamburg , Germany
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| management | Michael Fauser ( CEO ) |
| Number of employees | no own (only Ergo Group AG) |
| sales | 2.4 billion euros (2017) |
| Branch | insurer |
| Website | www.ergo.com |
| As of May 15, 2018 | |
The Ergo Versicherung AG (proper spelling ERGO ) is a German insurance company with headquarters in Hamburg , which since 1997, then under the name Hamburg-Mannheimer Versicherungs-AG , the Ergo Group in Dusseldorf belongs, in turn majority-owned by Munich Re is controlled. DKV , Ergo Versicherung and DAS also belong to the same group. On July 1, 2010, the brand names Hamburg-Mannheimer and Victoria were given up as part of a group restructuring in favor of Ergo .
structure
Ergo Lebensversicherung AG has been bundling the ERGO Group's life insurance business since mid-2010 . As part of the restructuring within the ERGO Group, Hamburg-Mannheimer Sachversicherungs- AG was merged with the property insurers of the previous Victoria and DAS in mid-2010 under the new name Ergo Versicherung AG . The Hamburg-Mannheimer Versicherungs-AG legal protection in the fall of 2010 to the DAS Legal merged.
Ergo Lebensversicherung AG (formerly Hamburg-Mannheimer Versicherungs-AG )
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The company was founded in Mannheim on April 29, 1899 as Vita Versicherungs-Actien-Gesellschaft and received the official license for the Grand Duchy of Baden from the Ministry of the Interior on July 7th of that year .
On April 1, 1912, after a change of ownership , the company's headquarters were relocated to downtown Hamburg and the company was renamed Hamburg-Mannheimer Versicherungs-Aktiengesellschaft .
In mid-2010 the restructuring within the Ergo Group took place, the focus on the life insurance business and the renaming to Ergo Lebensversicherung AG .
Since the company was founded, the share ownership has been divided between a few shareholders.
From 1899 to 1912 the banking houses WH Ladenburg & Söhne and HL Hohenemser & Söhne from Mannheim owned 67.5% of the shares.
Between 1912 and 1942 different societies had the majority. From 1912 these were the Hamburg insurance company , from 1930 the Svea Försäkrings AB , from 1942 the Donner bank and from 1946 100% Hansa Lebensversicherung a. G.
In 1948 Svea Försäkrings AB again took over a share of 40%.
Munich Reinsurance Company had been a shareholder since 1951 and increased its stake to 80% by 1993 (1951: 36.8% and 1992: 54%), Allianz SE had also been involved since 1951 and last had a stake of 20%. .
Since 1998, Hamburg-Mannheimer Versicherungs-AG has been wholly owned by the Ergo Group, in which Munich Re holds 99.69%.
Hamburg-Mannheimer Sachversicherungs-AG (merged into Ergo Versicherung AG)
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North Germans and Hamburg-Bremer
Hamburg-Mannheimer Sachversicherungs-AG
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Hamburg-Bremer
North Germans
North Germans and Hamburg-Bremer
Hamburg-Mannheimer Sachversicherungs-AG
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There were two predecessors of Hamburg-Mannheimer Sachversicherungs-AG : On the one hand, Hamburg-Bremer Feuer-Versicherungs-Gesellschaft, founded in 1854, and, on the other hand, Nord-Deutsche Versicherungs-Gesellschaft , founded in 1857, both of which were based in Hamburg.
In 1969 the two companies merged to form Nord-Deutsche and Hamburg-Bremer Versicherungs Aktiengesellschaft . Hamburg-Mannheimer took over 30.5% of the shares in 1975 and renamed the company to Hamburg-Mannheimer Sachversicherungs-Aktiengesellschaft .
The Hamburg-Mannheimer expanded its life and accident insurance business to include property insurance. In 1982, driven by new regulatory requirements, it transferred its accident portfolio to the Hamburg-Mannheimer Sachversicherungs-AG.
Until 1998, the Hamburg-Mannheimer Versicherungs-AG held 40% and Allianz and Munich Reinsurance Company of 30% at the Hamburg-Mannheimer property insurance AG, since it is fully owned by the Ergo Group and was 2010 in the renamed property insurance division of Victoria on the Ergo Versicherungsgruppe AG merged.
Hamburg-Mannheimer Rechtsschutzversicherungs-AG (merged into DAS)
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It was founded in 1928 as Nord-Deutsche Lebensversicherungs-Aktiengesellschaft and was a subsidiary of Nord-Deutsche Versicherungs-Gesellschaft (until it was taken over by Hamburg-Mannheimer Versicherungs-AG). In 1979 it got its current name.
Hamburg-Mannheimer Rechtsschutz was initially a wholly-owned subsidiary of Hamburg-Mannheimer Sachversicherungs-AG. In 1998 DAS acquired 51% of the shares as part of the Ergo Group, in autumn 2010 it will be merged with DAS .
Target group business
Typical for sales in the Hamburg-Mannheimer are (above the regional structure) target group- oriented sales organizations. Since the 1990s, they have been increasingly merged with one another:
1907: German lawyer and notary insurance (DANV)
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It was founded in Halle (Saale) as a pension, widows and orphans' fund for German lawyers and was given its current name in 1934. Until 1945, DANV was its own company. In order to avoid nationalization in the Soviet occupation zone , the seat was moved to the west and the insurance portfolio was initially transferred to Hansa Lebensversicherung aG as a special organization with an independent accounting association. From 1957, Hansa Lebensversicherung aG and DANV were transferred to what was then Hamburg-Mannheimer.
DANV describes itself as a special department of ERGO Lebensversicherung AG for legal, tax, business advisory and auditing professions . Since 2000, other academics and civil servants have also belonged to their target group.
In 2003 the sales department Systematic Investment and Financial Plan Development (S / AFE, headed by Detlev Beyer ), founded in 2000, was incorporated into DANV.
Since the beginning of 2007, the DANV sales force has been integrated into the target group sales of the previous HMS.
A special feature of the DANV is the advisory board established in 1946: In 1946 the idea of a professional and advisory board agreement arose in which the DANV agreed to work with professional chambers and associations . The agreement was signed on April 19, 1946 and entered into force on November 3, 1956. Since then, a total of 14 chambers or associations from the customer groups have joined the advisory council agreement. This contract grants the participating organizations the right to advise the management of DANV and to present their special ideas. In addition to the delegates from the chambers and associations, the Advisory Board also includes elected members from among the insured. The advisory board elects a chairman and a deputy chairman from among its ranks as well as the standing working committee.
Chambers and associations of the professional and advisory council agreement (2018):
- Association of Consulting Engineers
- Federal Chamber of Notaries
- Federal Chamber of Tax Advisors
- Chamber of Auditors
- Chamber of Patent Attorneys
- German Lawyers Association
- Institute of Auditors
- German Association of Tax Consultants
- Federal Association of Tax Consultants
- Federal Association of German Economists and Business Economists
- Federal Association of German Management Consultants
- German Association of Judges
- German Association of Women Lawyers
- Federal Association of German Patent Attorneys
1930: Life insurance association for civil servants and their relatives (Lebea)
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After long negotiations with the German Civil Service Association, Lebea was founded in September 1930 and offered its own tariffs for this association and its members. It was not until 1954 that the company established its own Lebea offices; In 1959 these came under central management.
In 1961 the Hansa was founded for closed groups of non-civil servants and in 1965 the pension fund for German engineers . From the beginning, both were under joint management with Lebea, with which they merged in 1970.
In 1970 Lebea merged with the organization for management and junior staff "Die Brücke" , which has been called the Organization for Academics and Civil Servants (OAB) since 1985 and was incorporated into DANV in 2000.
1966: Organization for Association Group Insurance (OVG)
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It was founded as the federal office for club group insurance and specialized in clubs and associations and their members. At the beginning there is a cooperation agreement with an association: The association establishes contact between the member and the OVG and thus takes on part of the advertising and administrative work. The OVG offers a group discount for this. The association passes this on to its members, making the insurance premiums cheaper for them. This in turn is an additional argument for the association to recruit new members. In this way, all three sides have an advantage ( win-win situation).
The OVG has had its current name since 1972. The most important cooperation partners are the VdK (since 1967), the Reichsbund (since 1969) and the People's Solidarity (since 1990).
As members of the association, the insured are predominantly older people.
1970: Organization for academics and civil servants (OAB)
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It was founded as an organization for management and junior staff "Die Brücke" through the merger of Hansa, Lebea and the German Engineers' Pension Fund. The ambiguous name (behind which a personnel agency for managers was often suspected) led to the renaming in 1985 to OAB. In 2000 it was incorporated into DANV and, with its field service, in 2007 into the main organization (see DANV ).
1973: HMI organization (HMI)
At the beginning of the 1970s, what was then Hamburg-Mannheimer decided - under the influence of the activities of investment fund companies such as IOS at the time - to introduce unit-linked life insurance in addition to its traditional products and to promote their sales. For this purpose, the former IOS manager Werner Kunkler, who set up the Hamburg-Mannheim investment organization in 1973 , was won over. Since 1974, this combination of letters has not been treated as an abbreviation, let alone written out, but the organization is simply referred to as the HMI organization. It is the only sales organization of ERGO Lebensversicherung AG that is also active abroad: since 1984 in Austria and Belgium, since 1997 in Denmark and (from Belgium) also in Luxembourg and the Netherlands. She later expanded business operations to Poland, the Czech Republic and Italy.
1984: HMK Organization (HMK) / 1988: Organization Frau Aktiv
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The HMK organization was founded in 1984 under the name HMI Organization K as an inventory maintenance organization for the HMI . However, the HMI discovered inventory maintenance as lucrative for itself, so that HMK, equipped with its own product (tariff K65 ), became independent. However, since the sales success left much to be desired, HMK was discontinued in 1985.
The organization Frau Aktiv was founded in 1988 under the maxim "Women insure women". However, the concept turned out to be a failure. So it was dissolved in 1991.
1990: Hamburg-Mannheimer Ost (HMO)
The HMO started its activity on July 1, 1990 in the GDR with two organizational areas (North and South).
A year later, the agents, sales managers and branch managers recruited and trained there were assigned to the existing organizations, while the around 160 newly founded agencies were transferred to the portfolio management organization (BBO) on July 1, 1991 . This structure was also limited in time: in the summer of 1992, the agencies were also incorporated into the existing organizations.
The HMI set up its branches and agencies independently of the HMO.
1996: Orga 3
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Under this provisional name there was temporarily joint management for the OAB, SAF and OVG. In 1999 the organizations were separated from one another and in 2000 they were incorporated into the main organization.
1998: Sales Directorate Brokers and Multiple Agents (VD-MM)
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The VD-MM is geared towards the target group of brokers and multiple agents in B2B business. Since 1999 it has been bundling brokers and multiple agents who not only work for Ergo life insurance, but also (can) represent other insurance companies.
On January 1, 2009, the broker sales of what was then Hamburg-Mannheimer was integrated into the newly formed Ergo broker sales .
2000: Hamburg-Mannheimer Stamm-Organization (HMS) (since 2010: Ergo Stamm-Organization )
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The former Hamburg-Mannheimer Stamm-Organization (HMS) was formed in 2000 through the merger of the Special Department Family Aid (SAF), Organization Sach (OS) and Main Organization (HO).
In 1934 the Special Department for Family Aid (SAF) was initially founded as an Evangelical Funeral Aid and initially only offered death benefit insurance , which was intended to alleviate the financial hardship of the bereaved family members in the event of the breadwinner's death.
In the 1950s, the SAF turned to the entire family, which since 1955 has also been expressed in the renaming of the special family assistance department . Later she aimed for young people as a target group.
The aim was to build up an early and therefore long-term customer loyalty, which should be achieved through the first motor vehicle liability insurance (moped sign). Since the actual name no longer matched the image, only the abbreviation SAF was used , sometimes the self-name SAF-Organization . In 2000 it was incorporated into what was then the Hamburg-Mannheimer Stamm-Organization (HMS).
The organization Sach (OS), founded in 1975, is the sales organization of Hamburg-Mannheimer Sachversicherungs-AG.
The main organization (HO) was formed in 1976 by combining all branches that had not previously belonged to a specific organization. As a result, there was initially no clearly defined target group. Over the course of several years, three branches of business developed, some of which were handled separately from an organizational point of view (by appropriately specialized agencies and branches): the so-called A, B and S business. A stands for employees, B for existing employees, S for self-employed.
Like the OVG, the HO worked with associations. This was especially true for the self-employed customer group. In order to achieve this, the organization had cooperation agreements with the German Hotel and Restaurant Association (DEHOGA) and the Retail Association (EHV) as well as their regional associations.
The most important cooperation partner through which the HO reached both employees and the self-employed is the Taxpayers' Association (BdSt).
The target group structure of the company, now named Ergo Stamm-Organization , is correspondingly heterogeneous, so that the differentiation into employee, existing and self-employed business was taken over by the HO. The cooperation agreements with the German Hotel and Restaurant Association (DEHOGA), the Retail Association (EHV), the Association of Taxpayers (BdSt) and other interest groups will be continued. In 2006, the Association of Self-Employed Persons (BDS) was added as a cooperation partner .
Since the beginning of 2007 there has been classic agency sales, into which the existing business (private customers) of the previous HMS is being transferred, and target group sales, in which the independent business of the previous HMS and DANV are combined. The cooperation is supervised by a distribution channel manager.
2002: Sales Directorate Cooperations (VD-KOOP)
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The Sales Directorate Cooperations (VD-KOOP) was created in 2002 by merging the business areas VFV GmbH (Hamburg-Mannheimer Insurance and Financing Mediation GmbH), Customer Service, Cooperations and the Sales Directorate Banks, Building Societies, Cooperations (BBK).
The customer service (KD) was formed in 1979 as an inventory maintenance organization from a (back office) department of the same name. His main tasks are the handling of customer complaints and the rescue of endangered contracts ( cancellation avoidance ).
The Sales Directorate for Banks , Building Societies , Cooperations (VD-BBK) was set up for the nationwide cooperation business between Hamburg-Mannheimer and banks (e.g. Dresdner Bank ), building societies and other cooperation partners . It has been the Financial Services division since 2008 , whose task is primarily the internal brokerage of investment products, real estate financing and building society savings.
The Hamburg-Mannheim Insurance and Financing Mediation (VFV) was founded on July 1, 1990 in the GDR . The company was based in East Berlin . According to the commercial register, the business purpose was the mediation of insurance and financial services as well as financial advice and the mediation of business advice .
The goals of the VFV within the Hamburg-Mannheimer group were:
- the HMO and later the individual sales organizations in building in the new federal states to support through
- Cultivation of intermediaries and executives to acquire new customers and
- the expansion of the agency network
- Attracting medium-sized businesses as customers.
Today it is the "intermediary" for all sales organizations of the Ergo Group for risks that cannot (or cannot) be underwritten within the ERGO insurance group.
Subsidiaries
Ergo VFV GmbH
Ergo Insurance and Financing Mediation (VFV) was founded on July 1, 1990 in the GDR. The company was based in East Berlin. According to the commercial register, the business purpose was the mediation of insurance and financial services as well as financial advice and the mediation of business advice.
The goals of the VFV within the Hamburg-Mannheimer group were:
to support the HMO and later the individual sales organizations in setting up in the new federal states by adding brokers and executives to acquire new customers and expanding the agency network to attract medium-sized companies as customers. Today it is the "intermediary" for all sales organizations of the Ergo Group for risks that cannot (or cannot) be underwritten within the Ergo insurance group. The managing directors of Ergo VFV GmbH are Thomas Böhm and Rudi Ryckaert.
Ergo Specialty GmbH (formerly Hamburg-Mannheimer Sports GmbH )
In order to open up the growing entertainment and sports market (preferably professional sports ), what was then Hamburg-Mannheimer Sports GmbH was founded, which started its activity on July 1, 2000. It is now a subsidiary of Ergo Versicherung AG under the new name ERGO Specialty GmbH . The managing directors of the GmbH are Jürgen Engel (member of the board of directors of ERGO Versicherung AG) and Jürgen Vogt .
The company insures professional athletes and major events. For example, it acquired the 2006 FIFA World Cup and the 2007 men's handball world championship (both in Germany), the official insurer of which was Hamburg-Mannheimer.
Hamburg-Mannheimer Pensionskasse AG
It was founded in 2002 as a legal pension institution for company-wide pension benefits. It enables companies to meet their employees' legal entitlement to a company pension scheme , which was introduced as part of the pension reform .
Hamburg-Mannheimer Pensionskasse AG was a wholly-owned subsidiary of ERGO Lebensversicherung AG.
With the approval of BaFin and the corresponding entry in the commercial register, it was merged with ERGO Pensionskasse AG with effect from January 1, 2014.
Seminaris hotels and conference centers
The group of Seminaris Hotels & Conference Centers dates back to 1978, when the then Hamburg-Mannheimer Versicherung completed the first hotel and conference center in Lüneburg, the Seminaris Hotel Lüneburg, based on plans by Günther Strube. In the same year the Seminaris Hotel- und Kongressstätten-Betriebs-GmbH (short: SeHoKo) was founded with headquarters in Lüneburg. First managing director and partner from 1978–2011 Günther Strube.
In 2011 Günther Strube sold his share in the company to Ergo Group AG, Düsseldorf, which is now the sole shareholder. Hartmut S. Pirl (Chairman), Horst Marotte and Michael Beuchling have been managing directors since 2012.
By 2012, 8 companies had opened (including 5 under the brand name Seminaris and 2 under the brand name avendi ), two of them in
- Bad Honnef : Seminaris Hotel Bad Honnef, Avendi Hotel Bad Honnef with spa and congress center and WellnessAvendi
two in
- Potsdam : Seminaris SeeHotel Potsdam, Avendi Hotel am Griebnitzsee Potsdam,
one each in
- Berlin : Seminaris CampusHotel Berlin - Science & Conference Center
- Bad Boll : Seminaris Hotel Bad Boll and
- Lüneburg : Seminaris Hotel Lüneburg
The Seminaris Hotels and Conference Centers have been cooperating with Hohenkammer Castle near Munich since 2013. According to the AHGZ, the group has been one of the 50 largest hotel companies in Germany since 2016.
In August 2016, the managing director announced that the Seminaris group would change hands on September 30th. The reason is that the hotel industry is not part of the core business. The background to this is the ongoing tense financial situation of the Ergo Group. Confidentiality was agreed on the buyer and the purchase price. The regional newspaper for the Lüneburg Heath suspects a foreign owner.
The sale was managed by Primecity Investment Plc., A subsidiary of the publicly listed Aroundtown SA. The buyer was Azaloen Ltd. Cyprus, which in turn transfers its shares to Corepan Ltd. Cyprus transferred. The company's headquarters were relocated from Lüneburg to Berlin in 2018.
criticism
Sex party affairs
In May 2011 it became known that the HMI organization , a sales organization of what is now Ergo Lebensversicherung AG, had invited the 100 best sales employees and senior managers of the company to a sex party in Budapest in 2007 as an incentive . The insurance company engaged both hostesses and prostitutes and marked the women with different armbands. The first to report about it was the Handelsblatt . The report received a lot of public attention, also because of the unfortunate temporal connection with a major advertising campaign that started in 2010. Ergo stated that the participants had been informed that, as with every incentive trip, they had to state a pecuniary benefit in their tax returns.
Because of the scandal, Jürgen Klopp , then coach of Borussia Dortmund , suspended his advertising partner contract with Hamburg-Mannheimer. He had given motivational talks for HMI.
Ergo announced that the cost of the sex party in the amount of 83,000 euros had been claimed for tax purposes as business expenses (they reduce profit and tax burden). According to the documents, it was a seemingly normal event, and the costs were deducted as operating expenses. In total, the sex party had cost over 333,000 euros, including the 40,000–50,000 euros it contained for pimps and prostitutes from Ergo as business expenses.
In the course of the investigation, it became known that, according to witnesses, prostitutes were hired as early as the 1970s as part of leadership seminars held by Hamburg-Mannheimers on Lake Zurich. The costs were accounted for via the helicopter tours position .
In 2013, earlier press reports were confirmed by the book publication of a long-time manager's representative that Ergo continued to practice the principle of “sex at the expense of the insured as a reward” until 2011. The talk was of collective brothel visits and reward trips to a swingers club hotel in Jamaica.
Company response
After the allegations became known, the company set up a task force to investigate the matter with more than 100 employees. Many of the incidents that were publicly criticized in the further course of the affair were brought to light by the Ergo corporate auditing department itself. Initially, they wanted to keep the audit reports under lock and key, but in 2012 the company published a website with the results of the investigation.
In 2011, a full-page apology advertisement was placed in five national daily newspapers. It promised measures to prevent such errors in the future. In fact, the internal compliance rules were in some cases significantly tightened as a result. The new incentive directive banned B. expressly the visit of "establishment with erotic or sexual entertainment."
The company also tried to sue managers involved in travel planning and organization for breach of trust. The prosecution later closed the case against payment of a fee.
marketing
The advertising character Herr (Günter) Kaiser promoted the Hamburg-Mannheimer from September 5, 1972 until the renaming in 2010.
The following slogans (or claims ) have been used since then:
- ... the big life insurance
- We are known. (Depending on the ad motif, the verb was also varied: One needs us, One trusts us, etc.)
- So that you have more out of life
- More from life
- Happiness can be planned.
- Imperial insurance.
literature
- Hamburg-Mannheimer Versicherungs-AG (publisher): 100 years of Hamburg-Mannheimer , self-published, Hamburg, 1999 (production: klr mediapartner GmbH & Co KG, Lengerich).
- Hamburg-Mannheimer Versicherungs-AG (publisher): 10 years of the New Federal States , self-published, undated, undated (Hamburg 2000; production: Hugo Prull KG, Oldenburg).
- Hamburg-Mannheimer Versicherungs-AG (publisher): 40 years OVG. Well thought-out precautionary measures protect opportunities , Self-published, Hamburg 2006 (production: klr mediapartner GmbH & Co KG, Lengerich).
- Hamburg-Mannheimer Versicherungs-AG (Hrsg.): Experience. Competence. Success. Festschrift 100 years of DANV , self-published, undated , undated (Hamburg 2007).
- Hamburg-Mannheimer Sachversicherungs-AG (Hrsg.): In the sign of the future. 150 years of Hamburg-Mannheimer Sachversicherungs-AG , self-published, Hamburg 2007 (production: BWH, Buchdruckwerkstätten Hannover GmbH).
- Seminaris Hotels & Conference Centers Lüneburg (Ed.): 1978–2008 30 years of Seminaris .
- Francisco Moraga: Just the Truth: Sex, Party & Insurance; a successful ego trip . Mühlheim / Main 2013, ISBN 978-3-00-042244-7 .
Web links
- Ergo Group website
- Early documents and newspaper articles on Hamburg-Mannheimer Sachversicherungs-AG in the 20th Century press kit of the ZBW - Leibniz Information Center for Economics .
Individual evidence
- ↑ Michael Fauser, Board Member Ergo Lebensversicherung AG , accessed on December 13, 2017.
- ↑ a b Annual Report 2017 , accessed on May 15, 2018 (PDF).
- ^ Ergo insurance: Out for Hamburg-Mannheimer and Victoria. In: Die Zeit Online. November 20, 2009, accessed June 10, 2010 .
- ↑ ERGO Insurance Group AG - press releases . Ergo.com. Retrieved June 10, 2010.
- ^ Journal of Insurance 10/2007, article "150 Years Hamburg-Mannheimer Sach", p. 313
- ↑ a b c d While one member of the Hamburg-Mannheimer board was at the head of the DANV, there was also an organizational director as head of the field service
- ↑ a b From 2002 to the beginning of 2007 there was a sales director in addition to the managing director
- ↑ HMI organization is gaining experience with the new fund policy. In: Hamburg-Mannheimer Versicherungs-AG (Hrsg.): HM-Forum. Journal for our employees , No. 4/1973, p. 10. Self-published, Hamburg, 1973 (production: Beckerdruck, Hamburg).
- ↑ As early as 1974, a map of the Hamburg-Mannheimer branch network shows no resolution of the letter group HMI in the legend, while the five other orgasms are written out: HM main organization, organization "Die Brücke", special department for family support, federal branch, HMI organization, German Lawyer and Notary Vers. In: Hamburg-Mannheimer Versicherungs-AG (Hrsg.): HM-Forum. Journal for our employees , No. 2/1974, p. 33. Self-published, Hamburg, 1974 (production: Beckerdruck, Hamburg).
- ↑ BaFinJournal October 2014 edition , accessed on December 12, 2014
- ↑ "Awesome fun": A lavish sex party at Ergo Insurance . ( handelsblatt.com [accessed January 18, 2018]).
- ↑ spiegel.de: The somewhat different insurance
- ↑ Insurance invited representatives to sex party
- ↑ In the Spiegel article it is said "the participants taxed exactly 3,046 euros as a monetary benefit" - it has not been proven whether everyone really did that.
- ↑ spiegel.de: May 24, 2011
- ↑ Questions and answers - press kit HMI | ERGO Insurance Group AG. May 30, 2011, accessed September 13, 2018 .
- ↑ Hamburg-Mannheimer: Insurance set sex party off tax . faz.net. May 29, 2011. Retrieved June 2, 2011.
- ↑ Technical report of the corporate auditing department on the examination of the HMI competition trip Budapest 2007, pp. 26, 28 and 37
- ↑ Stern.de: Orgy with 20 prostitutes and violinists
- ↑ As a reward: sex! The pleasure trips of the Ergo representatives to Budapest, Jamaica, Mallorca . In: bild.de . ( bild.de [accessed on September 13, 2018]).
- ↑ Moraga: Just the Truth . S. 115 .
- ↑ Moraga: Just the Truth . S. 117 and p. 239 .
- ↑ Insurer : Chronicle of the Ergo Scandal . ( handelsblatt.com [accessed July 6, 2018]).
- ^ Frankfurter Allgemeine Zeitung . June 29, 2011.
- ↑ Incentive guideline. (PDF) In: Ergo. Ergo Compliance (COED), August 1, 2013, p. 4 , accessed on July 6, 2018 .
- ↑ slogans.de
Coordinates: 53 ° 36 ′ 5 ″ N , 10 ° 1 ′ 9 ″ E