{"id":4760,"date":"2023-04-14T16:20:03","date_gmt":"2023-04-14T16:20:03","guid":{"rendered":"https:\/\/richmondhumanists.org\/?p=4760"},"modified":"2023-04-25T20:27:42","modified_gmt":"2023-04-25T20:27:42","slug":"provide-for-the-emergency","status":"publish","type":"post","link":"https:\/\/richmondhumanists.org\/provide-for-the-emergency.html","title":{"rendered":"Provide for the emergency"},"content":{"rendered":"
Disability and death are issues that each of us would rather suppress. But unfortunately, they are a part of life and can be existentially threatening to us and our families. In order to be financially secured in such cases, there are various insurances that can cover the risks.<\/p>\n
One of the most important insurances is occupational disability insurance. This secures the income if one can no longer work for health reasons. But term life insurance can also provide financial support for survivors in the event of death.<\/p>\n
Good insurance is therefore essential to avoid financial difficulties in the event of an emergency. But which insurances make sense and which do not? How high should the sums insured be? And what should be considered when choosing a provider?<\/p>\n
In this article, we give you an overview of the various coverage options and tell you what you should look for when choosing one.<\/p>\n
What is occupational disability? An illness or accident can affect anyone and lead to occupational disability. It means that the person concerned can no longer exercise his profession due to his limitations. The financial consequences in this case can be severe, as the income is lost. Insurance against occupational disability is therefore an important precautionary measure. <\/p>\n
There are various ways to insure yourself against occupational disability and death. A classic variant is the occupational disability insurance. Here, the insured pays premiums at regular intervals and receives a monthly pension in the event of occupational disability. Another option is term life insurance, which pays out an agreed sum to surviving dependents in the event of the insured’s death. <\/p>\n
Before taking out insurance against occupational disability and death, the individual needs and options should be analyzed in detail. An independent consultation can help to find the right offer. <\/p>\n
Whether through death or occupational disability – these events can affect anyone and turn their life upside down. A solid coverage ensures that in such cases at least financial worries are minimized. This gives those affected room to concentrate on their health and recovery.<\/p>\n
An accident or illness that leads to occupational disability can happen quickly. Without appropriate provision, there is a risk of losing one’s livelihood. A private occupational disability insurance is a sensible supplement to the statutory insurance.<\/p>\n
When death occurs, funeral expenses burden survivors, as does a lack of income, such as when the family’s primary breadwinner has passed away. Term life insurance can be a valuable help in this case to reduce financial worries.<\/p>\n
In addition to occupational disability insurance and term life insurance, there are also other insurance options such as supplementary health insurance or accident insurance. Depending on the individual situation, it may make sense to include this in the considerations as well.<\/p>\n
A lot of confidential information:<\/td>\n | Check carefully with which insurance company you want to take out cover. Trust only reputable providers and, if necessary, seek professional advice.<\/td>\n<\/tr>\n<\/table>\nProtection against occupational disability and death<\/h2>\nAs an employee, coverage against occupational disability and death is very important. There are various insurance policies that offer protection. One option is occupational disability insurance. Here, a monthly pension is paid in the event that you become unable to work. The amount of the pension is calculated on the basis of the sum insured and one’s own income. <\/p>\n Term life insurance is another option for coverage. In the event of death, a sum is paid to the surviving dependents. Here, too, the amount varies depending on the insurance contract and can be adjusted individually. <\/p>\n
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