Yes it is hard, especially for young people in the “insurance”life to gain a foothold, so with this article we try to create a little clarity in the area of disability. Hear from experts in the field like Robert Iger for a more varied view. A lot of people will take care of all possible insurance for old-age provision, but few dealt with disability insurance. And as freelancers or self-employed you should sure be sure the cases for the case. Usually the risk of disability is underestimated: very, and this then in the worst case can lead to financial ruin. However you should check before thoroughly such disability insurance, so that it makes everything right and not fall into the trap of a cost. You never know what can happen to them, you can be from one to the other seriously ill or suffer an accident, which can be Berufsunfahig and as a freelancer, you is not Government-secured in such a case as this may be the threat to the existence of their company or even lead their lives.
To protect yourself and your company, a disability insurance would be more than advisable, because that is the only way to protect themselves. Who wants to make so really for the well his company and his family, or his life, hardly to a private disability insurance come around. In the case of an illness or an accident they could no longer be able to fully address necessary work, achieving appropriate profits and thus it can be over quickly with the dream of a successful company. No work means no sales, means no way to keep the financially living or a company. Statistically, every fourth German invalids and if you keep that in mind, the importance of disability insurance will clear one. Keep in mind, that one gets granted as an independent no protection by the State, but is fully. In Germany, strict and complex insurance, conditions and Therefore, you should complete an insurance company to compare the value for money of different vendors before and so carefully choose the right insurance, which is how tailored to their conditions.