Your ability to work is your largest asset.
Cars are insured. Income often is not. We check that gap first.
Working ability
Income can be worth several million over a career.
60,000 euros gross over 37 working years is about 2.2 million euros. That income pays rent, family and provisions.
6 weeks
Salary continuation only protects short term.
Then a gap
Sick pay and state disability often fall short.
Before illness
Taking cover while healthy is usually easier and cheaper.
What good cover needs to do
Protect income
Monthly pension if you can no longer work in your profession.
Check the job cleanly
Activity, end age, pension size and health questions matter.
Think life phases
Marriage, children, property or career steps can raise the need.
See the gap first, then choose the contract.
With protection products, the policy is not first. The first question is which loss would really hit income, family or assets.
Illustrative: a clean protection plan makes open risks visible before a product is chosen.
Fits especially if
- You are employed or self-employed.
- Your family depends on your income.
- You finance a property.
- You are a civil servant and need DU checked.
What we check
- 1Net income and fixed costs
- 2Existing protection
- 3Profession and health questions
- 4Suitable monthly pension
Protect your working ability
In 30 minutes you see your gap and the right next step.