Protection & risk
Nobody plans to become unable to work. That is exactly why it catches most people completely unprepared.
Your biggest asset is not your portfolio and not your property. It is your ability to work. Someone who starts working at 30 will earn a seven-figure sum by retirement. If that ability disappears, everything else goes with it.
The state reduced-earning-capacity pension does not catch that. It only applies once you can no longer work in any occupation at all, and on average it falls well short of what people need to live on. Private cover is therefore not a luxury but the foundation.
working people in Germany become unable to work before reaching retirement age
German Association of Actuaries
The cheapest income protection policy is good enough.
With income protection the wording decides, not the premium. Abstract referral, prognosis period and review clauses determine whether anything is paid at all when it matters.
For working people with responsibility: family, property, self-employment, or all of it at once.
- 01 An honest risk analysis: what you really need and what you do not
- 02 Comparison of policy wording, not just of premiums
- 03 Review of existing contracts before any new recommendation
- 04 Support when you have to claim, not only when you sign
Let's
talk.
Direct, no detours. Choose whichever channel suits you best.
A conversation, with no obligation.
Thirty minutes. We get to know each other. You see how I work. If it fits, we continue together. If not, you leave with an honest assessment.
Prefer to write?
Short message, reply within 24 hours