Control & Safeguards
Unexpected events can put any plan at risk. We make sure that all legal and organisational precautions are in place, so that you and your family can still act when it matters.
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Protection & Risk Management
Classic protection and risk management are an important starting point for every client. Over the years, priorities shift: less focus on classic occupational disability cover, more on serious illness, long-term care and health insurance in later life.
Health and security are the foundation of a stable life. We analyse your entire protection set-up and make sure you are covered against the risks that matter, in a way that is individual, clear and efficient.
- Liability & property damageProtection against material risks: personal liability, property, motor.
- Legal expenses insuranceFinancial security in the event of disputes.
- Illness, accident, long-term careProtecting your quality of life: health insurance (private, statutory, supplementary), accident, serious illness, long-term care.
- Special assetsBoats, art, classic cars: tailored specialist solutions.
- Health insurance abroadFor longer stays or a second home.
Your ability to work is more than income
As the years go by, the question of cover changes. The focus is no longer on classic occupational disability insurance (Berufsunfähigkeitsversicherung), but on general incapacity for work (Erwerbsunfähigkeit), serious illness and the risk of needing long-term care, both for you and within your family. We check which policies still fit, which are no longer needed and where gaps have opened up.
Questions we answer with you
- Does my health insurance suit my plans for life, including longer stays abroad?
- Have I made provision for long-term care, for myself and for my parents?
- Which policies from earlier stages of life can I cancel or adjust?
- Are special assets such as art or classic cars properly insured?
Frequently asked questions
Do I still need occupational disability insurance at 55?
That depends on your income, your wealth and the remaining term. Alternatives such as serious illness cover or general incapacity insurance are often more sensible. We work through the numbers with you.
How are you paid for arranging insurance?
Usually through a commission included in the premium. We disclose what we receive. Fee-based alternatives are also possible.
Related topics
Health, Longevity & Quality of Life
A long life is no accident. It is the result of conscious decisions. We bring your lifespan and your financial planning together, so that health and money stay in balance.
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