Independence in Consulting Activities Independence is guaranteed as OC Occident-Group -  is not attached to or associated with any product supplier, -  does not sell any own products and -  is granting identical commissions to economic advisers for similar financial products sold. By that means it may be secured that there is no incentive to give preference to the products of one supplier in order to guarantee objective and independent consultation. Orientation by Needs It is the ultimate goal of OC Occident’s service philosophy to sell only those products which meet and cover the customers’ needs according to his individual preferences and requirements which were identified by a financial check. OC Occident’s economic advisers assist and support this selection process with competence and knowledge. Consulting throughout Your Life Consulting services of OC Occident-Group accompany a customer throughout his or her whole life. A customer’s needs may change fundamentally throughout the periods of his life. This requires OC Occident-Group’s advisory activities to flexibly deal with and respond to the individual needs of their customers and a broad range of products. High Education Levels It is the aim of OC Occident-Group to make high-quality financial services available to customers. This is guaranteed by in-depth education and continuous advanced training of all economic advisers as well as by supporting advisory work with documentations and other facilities. For securing these quality standards OC Occident-Group established for their commercial representatives an in-house education program which provides a comprehensive training and education with final examinations. Success through Team-oriented Organization Together with our commercial representatives and our insurance partners we are forming a team which is joining hands on the way to success. We are well aware that within a team no member can succeed at the expense of the other. We know that we can achieve more by joining forces in a common effort. Therefore, all team-members identify with the team and see it as an indivisible whole. TOGETHER ON THE TOP Cooperation and partnership are the keys to OC Occident`s success. We consider ourselves mediators in a web-like relationship between our economic advisers, our insurance partners and our customers which is fully based on trust. We join efforts in reaching our aims. It is only through cooperation that we can be - together on the top.