Precaution and hedging
Precaution and hedging are important measures to prevent financial risks and ensure long-term security for the future.
Occupational disability insurance
Occupational disability insurance provides financial protection by paying a regular pension in the event of permanent incapacity to work due to illness or accident.
Accident insurance
Accident insurance provides financial protection in the event of accidents and pays an agreed sum in the event of disability or death as a result of an accident.
Private nursing care insurance
Private supplementary long-term care insurance supplements the statutory long-term care insurance and offers financial support to cover the additional costs in the event of long-term care and to ensure comprehensive long-term care.
Private health insurance
Private health insurance is a form of cover where, in return for paying an individual premium, insured persons have access to extended medical care, often including faster appointment times, free choice of doctor and hospital and additional benefits, compared to statutory health insurance.
Term life insurance
Term life insurance is a form of insurance in which the insurer pays out the agreed sum insured to the named beneficiaries in the event of the death of the insured person, thereby providing financial security for survivors and helping to cope with possible financial burdens, such as outstanding loans or providing for the family.
Retirement provision analysis
The efficiency calculation or analysis of retirement provision deals with the evaluation and efficiency of different pension instruments and their impact on the financial situation in retirement by taking into account the return on investment, costs, tax benefits and other factors in order to provide an informed basis for decision-making on the optimal retirement provision strategy.