Common
questions

• Why should a player agent manage their players' insurance through Beyond Sports?

  Insurance cover is part of a professional athlete's overall financial protection — a field many agents have so far left to external brokers. Through Beyond Sports, the agent can position it as part of their own service offering: Beyond Sports handles the advice, placement and support, while the agent remains their player's central point of contact. Economically, the agent benefits twice over: they offer a coherent all-in-one package and, for their referral, receive a referrer's share of the brokerage commission that would otherwise have gone entirely to an unrelated broker.

• Why is the Beyond Sports tool the ideal instrument for this?

  The tool is built specifically for working with player agents. It bundles three things into a single point of access: an insurance network specialised in professional athletes, personal advice from Beyond Sports, and an easy-to-use platform through which the agent can onboard their players, track the status of cases and transparently follow their referrer compensation.

• Are the terms on offer competitive?

  As a specialised insurance intermediary, Beyond Sports places the products of selected insurers. We monitor the market continuously, work deliberately with the right partners and make their terms transparent and comparable for the player — including solutions tailored specifically to the particular needs of professional athletes, such as very high daily sickness benefit sums or protection against sports disability.

• Is a player agent legally allowed to be compensated for their referrals?

  Yes. Passing on a referrer's share to the player agent is legally permissible.

• Why doesn't the referrer's share count as an intermediary fee?

  Because the player agent provides no insurance advice — that service is delivered exclusively by Beyond Sports. The agent acts merely as a referrer, which is legally clearly distinct from the advice-bound brokerage business.

• Do the commissions come at the player's expense?

  No. The player's premiums remain identical — regardless of whether a referrer's share is paid out or not. In the German and European insurance sector, distribution and acquisition costs are usually already priced into the product calculation — whether a contract is concluded with or without an intermediary.

• Does Beyond Sports GmbH also receive compensation?

  Yes, Beyond Sports also receives compensation for the service it provides.

• Does the compensation increase when several contracts are concluded?

  Yes. For every contract concluded through Beyond Sports, the player agent receives a referrer's share — governed by the referrer agreement between them and Beyond Sports. The more contracts placed, the higher the agent's total compensation.

• Does the insurer pay a one-off acquisition commission or a recurring commission — and what determines this?

  That depends on the type of insurance. A one-off acquisition commission — on conclusion of the contract, based on the monthly premiums — is common for: private comprehensive health insurance (PKV) and daily sickness benefit. A recurring commission — paid repeatedly as a share of the annual premium for as long as the contract exists — is common for: international private medical insurance (IPMI), sports disability insurance, liability, household contents, art and valuables insurance, and legal protection. For the player agent, their referrer's share follows the same rhythm.

• When is the referrer compensation paid out, and what does the agent have to do for it?

  The referrer shares are settled automatically once the policy has been issued and are paid out on the 15th of the first month of the following quarter. The agent doesn't need to do anything further.

• Who bears the cancellation risk?

  In principle, the player agent bears no cancellation liability — the cancellation risk lies with Beyond Sports. The only exception is if the player terminates the contract — whether because they have signed or are about to sign a new employment contract abroad, or for any other reason. In that case, the agent shares in the cancellation liability on a pro-rata basis. All other possible cancellation events — in particular a suspension of premium payments or the player's death — do not trigger any repayment obligation on the agency's part.

• Who concludes the insurance contracts, and how does the process work?

  The policyholder is always the player — they are and remain the contracting party of the respective insurance company. As soon as the player engages Beyond Sports, however, we handle the entire process on their behalf. The sequence: identify needs via the platform → personal advisory call → application and review phase (health details are first submitted as an anonymous pre-risk enquiry) → acceptance and conclusion of contract → confirmation to player and player agent. The player agent is involved in the process and kept informed.

• What happens if the player has pre-existing conditions?

  Depending on the type and severity, risk surcharges or benefit exclusions may apply; in rare cases a rejection is also possible. Beyond Sports assesses the situation in advance — among other things via an anonymous pre-risk enquiry — and looks for the best possible solution for the player.

• Who is the point of contact for the player with questions or in the event of a claim?

  Beyond Sports. We take on the complete insurance-side support — from contract changes and assistance in the event of a claim to all of the player's ongoing concerns.

• Does Beyond Sports help with cancelling existing insurance contracts?

  Yes — and beyond that. Beyond Sports supports the player holistically: from reviewing and cancelling existing contracts and taking out new ones through to ongoing support, contract changes and assistance in the event of a claim.

• How does the player agent gain access to the tool?

  The tool is not publicly accessible. Access is granted exclusively through Beyond Sports as part of onboarding. Use of the tool is free of charge for the agent.

• Are all data protection requirements met?

  Yes, fully. All data is processed in compliance with the GDPR.