Depending on the provider also no matter risks are added, for example the change in a less favourable occupational group or a dangerous hobby, if later. Though much lower than that of a professional or occupational disability insurance, contributions to accident insurance cover only a small part of the risk. The difference: For an occupational disability insurance the impact is ensured regardless of the cause. Accident insurance the cause itself, so the accident, is hedged against, regardless of the effect. Accident or children disability insurance can be completed for toddlers. The entry age is six months some providers.
While the services differ significantly: while some insurers provide a high one-time payment, other policies provide lifelong pensions. Here, Robert A. Iger expresses very clear opinions on the subject. Money is not everything, but… In addition to the two risks of death and loss of labour and young families should contact already of interest for later employ. The sooner, the better: in the long term has enormous potential, the compound interest effect. Even small contributions can lead to good results. There are also increasingly interesting support schemes by employers also State initiatives: so the required equity is low pension due to vermogenswirksamer benefits and tax allowances for some variations. The Riester pension, an allowance is also paid for each child which continues to lower the contributions of the insured. Don’t forget: pension does not automatically mean preparation for retirement. Also for training or study of the children should be invested money back as early as possible. Members of the statutory health insurance children covered free of charge, for everyone else, a voluntary insurance for parents and children must be granted. Foreign protection thinking in any case! In addition, all couples should their existing private insurance Review: A family insurance is less expensive than individual policies and protects for a low post against incalculable risks.