Solid insurance, financial security for the customers, clear product range, unfortunately not innovative, misses some important chances to keep up with the competitors. Depending on the leader, you can be lucky or unlucky. Instead of being factual, personal arguments are used. It's always a question of sympathy. Fatal management mistakes are committed, extremely unprofessional, employees take action against each other and talk badly about their colleagues. Back-office departments are often not customer-friendly. Customer service also differs in quality or is poor. Sales has great difficulties in gaining new customers.