Work & Retirement
Our professional lives are more dynamic and variable today than ever – your insurances should too.
There are two main questions to answer:
How can I support my family and myself should I not be able to work anymore?
How can I make sure that I achieve the level of financial stability I need for my retirement?
There are many possibilities to answer these questions and not all are suitable for everyone and every life situation.
The most important aspect is to have a holistic view, keeping in mind financial security for you and your family throughout the next years.
We can help you find the best solution that fits your needs.
Occupational disability insurance (“Berufsunfähigkeitsversicherung”)
The occupational disability insurance is highly recommended by NGOs, governments and consumer advocacy groups alike. It protects you against the loss of income should you no longer be able to work and is therefore a crucial tool to secure your financial livelihood. More
Work incapacity insurance (“Erwerbsunfähigkeitsversicherung”)
The work incapacity insurance can be seen as a smaller version of the occupational disability insurance. It’s benefits are not as far-reaching but it also costs less and it easier to get into. It is especially attractive for freelancers since they are not covered by the public work incapacity insurance. More
Life insurance are still Germany’s top insurance products and that will most likely stay so for the next years. They represent a two-way safety net: money for your familiy in the case of your death and money for you when you retire. More
Government subsidised pension schemes for freelancers (“Basisrente/Rüruprente”)
These pension schemes are similar to the Riesterrente but focus on freelancers and self-employed people. That is because they are not eligible for Riesterrente but of course should be able to save more money for their retirement. More