Replace lost income
An agreed monthly benefit can help cover regular living costs.
Personal insurancePrivate clients
Your work pays for your life. Protect that income.
If illness or an accident permanently limits your ability to do your current job, an income gap may follow. We compare the monthly benefit, policy term and contract wording clearly.
No obligationAvailable across GermanyGerman / Turkish / English
Problem · Benefit · Decision
What this cover can solve for you.
Income protection matched to your earnings and occupation
Understand the terms
Clarify the prognosis period, referral to another occupation and claim assessment before taking out cover.
Adjust the cover later
Review future increase options and indexation as your needs grow.
Getting specific
What we will clarify together.
A sound decision starts with the right facts, not a blanket price promise.
- 01
Work out the monthly need and any existing entitlements
- 02
Describe the occupation and actual duties accurately
- 03
Prepare complete health information
- 04
Compare indexation, future increase options and the policy end age
Important: Acceptance, premium and benefit depend in particular on age, occupation, health and the chosen cover. Health questions must be answered fully and truthfully.
Frequently asked questions
A few answers before you enquire.
01How high should the monthly benefit be?
It should reflect the net income you need and any existing entitlements. A standard amount rarely fits everyone.
02Is a health assessment required?
Usually, yes. The scope of the questions and risk assessment varies between insurers.
03What is a future increase option?
It may allow the benefit to be increased after specified life events without a new health assessment. The contract sets the limits.
Free enquiry
Review income protection.
Tell us your occupation, age and whether you already have cover.
- Initial assessment with no obligation
- German / Turkish / English
- We only reply through the channel you choose