How long must I insure me? The best until you retire. Just so is ensure that you need fear no gap. The disability insurance runs only until the 55th birthday, you have to bridge up to 12 years in the case of a fall, until the statutory pension pays: this is a hard to darned supply gap, which will end in poverty in old age. Disability insurance or disability insurance (BUZ) complete? The question can be answered only with views of the situation. You have to feed anybody, financially taking additional risk life insurance in the BUZ makes no sense. It looks different if you already need a risk life insurance to insure, for example, the partner or the family: when combined of with a risk life insurance disability insurance save money often, because the additional price for the risk life insurance falls mostly in the premium for disability insurance in the weight the auxiliary police are there mostly for a few euros in addition and much cheaper, asll if you sign an individual contract. Do I need an insurance guarantee? Yes, if you want to customize the pension for emergencies during the contract term upwards.
Because the insurance guarantee allows you, without increasing health review the agreed pension. Typically this option to increase the disability insurance in certain circumstances is, how about wedding, young or real estate purchase. When the conclusion that these Erhohungs events are formulated as far as possible. And clarify to what extent and in what Turbus increases are possible and permissible. What should I pay attention on the issue of referral? The referral right of occupational disability insurance is one of the biggest stumbling blocks in the treaties.
This applies especially to the abstract reference, because her insurer will have an opportunity, the Obligation to the pension payment quickly out to anyone. He must then no longer pay if he shows you a job, you could theoretically still work. This professional must be comparable only with the social appreciation of your previous profession whether you actually in the profession can work or find a job at all, doesn’t matter here. So, conclude no contract which envisages such abstract reference. Www.check-berufsunfaehigkeit.de see only 5-star rates, which exclude such abstract referral in the comparison calculator.