Protect your earning power – for any situation.
Disability Insurance
- Worldwide coverage
- Immediate assistance in case of cancer diagnosis
- Guaranteed option to increase coverage (“follow-up insurance”)
We make sure you’re financially protected – so you can focus on what truly matters.
A disability insurance policy protects you if you’re unable to work for health reasons – giving you the security and peace of mind you deserve for a fresh start.
Information at a Glance
Good to know
- Valid worldwide – even for permanent stays abroad. A registered address in Germany is required to apply.
- 18 months of immediate monthly benefit payments in case of chemotherapy, radiation, or long-term medication treatment – without proof of permanent disability.
- Benefit amount can be adjusted if your life circumstances change, without another health check.
- Job or athletic changes are reviewed under simplified conditions – with the opportunity for a lower premium rating.
- Reduced health questions make it easier to get started.
- Can be expanded to include coverage for inability to work and long-term care.
Disability can affect anyone – not just manual workers
Many people think of a roofer who can’t work after a fall when they hear “disability.” The reality is different:
By far the most common reason why people can no longer work is mental illness, accounting for almost 36% of all cases today. Depression, burnout, or anxiety disorders can affect anyone – whether your work is physical or mental.
Even more concerning: among people under 50, more than one in three cases of disability is caused by psychological conditions. The trend is clear – before 2010, the share was around 20%.
That’s why disability insurance isn’t a question of occupation, but of preparation. Whether you’re a controller, engineer, or nurse – if you rely on your work for your livelihood, you should protect your ability to earn an income.
Getting started is easy
Four steps to your coverage
Step 1: Schedule a consultation
Choose a date that works for you – conveniently online via Calendly.
To help us prepare, please provide a few basic details in advance:
- Your age
- Job title
- Preexisting conditions (yes/no)
- Smoker (yes/no)
Step 2: Consultation & needs assessment
In a personal conversation, we’ll analyze your specific needs and present suitable disability insurance options. We explain all benefits, terms, and coverage amounts – so you can make an informed decision.
Step 3: Application & health questionnaire
We’ll complete the application and health questions together – either during the appointment or afterward using a PDF form. Joint completion is recommended so we can provide guidance on the health disclosure process.
Step 4: Health review & policy start
The insurer reviews your application and sends feedback – approval, conditional approval, or with a risk surcharge. We’ll explain your options and support you all the way through the start of your policy and beyond.
Important Documents
General Information and Benefits
