SONO Sterbegeld

Executive board members Birgit Küppers and Thomas Diesner jointly oversee the firm’s operations and capital allocation. Specific CIO or investment committee roles are not publicly disclosed. The firm’s investable assets are directed into direct real estate holdings and a niche health fund, suggesting a lean governance model where the Vorstand retains investment authority.

SONO Sterbegeld is a VVaG (Versicherungsverein auf Gegenseitigkeit), a mutual insurance association. Policyholders are the owners — there are no external shareholders. All surplus is retained for the benefit of the members or used to strengthen reserves.

SONO Krankenversicherung a.G. is an affiliated health insurance mutual that operates from the same Bottrop headquarters. SONO Sterbegeld focuses on funeral expenses, while SONO Krankenversicherung provides supplementary health products, including hospital daily allowance, dental, and implant coverage. They share a common brand and management lineage.

Recorded investments include direct German real estate — a mixed-use property in Stuttgart (WVV Objekt Emmendingen GmbH & Co. KG) and a mixed-use portfolio in Thuringia (TAG Portfolio Thüringen GmbH & Co. KG) — and a commitment to the Grönemeyer Gesundheitsfonds Nachhaltig, a health-focused fund launched with Prof. Dr. med. Dietrich Grönemeyer. No public securities or third-party fund commitments beyond this have been confirmed.

Vorsorgekasse Hoesch (VKH) is a strategic partner in the funeral insurance sector. The exact nature of the partnership — whether co-insurance, reinsurance, or distribution — has not been detailed publicly. Both firms operate within the German mutual insurance ecosystem.