What happens if tomorrow
you can no longer work?
One in four people becomes unable to work before retirement. The statutory coverage? At most one third of your net income. Close the gap before it's too late.
Your earning power is your most valuable asset
Your Benefits at a Glance
Independent Comparison
We compare over 50 tariffs from all major insurers for you.
Optimal Conditions
Thanks to our market expertise, you receive the best conditions for your profession.
Health Questions
We professionally prepare the health assessment together with you.
Needs Analysis
Individual calculation of your optimal disability insurance benefit amount.
Fast Processing
From consultation to policy inception in just a few days.
Since 1984
Over 40 years of experience in insurance consulting.
Who is Disability Insurance important for?
Employees
Protect your income against disability.
Self-Employed
Without disability insurance coverage, your entire livelihood is at risk.
Career Starters
Taking out a policy early means lower premiums and a straightforward health assessment.
What is covered?
Versichert
- Disability due to illness
- Disability due to accident
- Mental health conditions
- Musculoskeletal disorders
- Guaranteed insurability option
Nicht versichert
- Intentional self-inflicted injury
- War events
- Pre-existing disability
It's that simple
Initial Consultation
We analyze your professional and financial situation.
Market Comparison
We compare all relevant rates for your profession.
Advice
You receive a transparent recommendation with all advantages and disadvantages.
Completion
We guide you through the entire application process.
Frequently Asked Questions
A person is considered occupationally disabled if they are expected to be unable to perform their most recently held occupation to at least 50% capacity for a minimum of 6 months.
The cost depends on your occupation, age, health condition, and the desired disability pension amount. As a rule of thumb, you should budget 1-3% of your gross income.
The sooner, the better. At a young age, premiums are lower and the medical underwriting is easier to pass.
Request Disability Insurance
Free and non-binding — your personal disability insurance comparison.
Check Your Disability Insurance Coverage Now
Schedule a free initial consultation and find out how you can protect yourself in the best possible way.