The trustee procedure is a possibility of German law regulated in the Insurance Contract Act, which allows an insurance company to unilaterally change contract terms with its customers. In the trustee procedure, it is not the contracting party ( policyholder ) that agrees , but an independent trustee appointed by the insurance company . The latter approves the changes in place of the contractual partner. The policyholder as the contractual partner has no influence on the changes to the insurance contract. Such changes are only possible if they are permitted by a legal regulation or contractual agreement.
See also: Trustee (insurance)