Protection of people and assets

Many people have policies running for years without ever reviewing them. Meanwhile, your life situation, income, family, housing, and financial commitments all change. What made sense five years ago may no longer give you adequate protection today.

What does insurance advisory cover?

• reviewing existing policies
• checking the scope of cover
• identifying unnecessary or duplicate cover
• comparing options across insurers
• tailoring protection to your situation
• explaining terms and exclusions
• periodic policy reviews

Why the right insurance setup matters

Insurance is meant to be financial protection against events you can't foresee.

It can help with:

• long-term sick leave
• serious illness
• disability
• injury
• loss of income
• damage to property
• unexpected life events

Properly arranged insurance can significantly reduce the financial impact of unexpected events.

Most common types of insurance

Not everyone needs the same scope of cover.

The most common types are:

Life insurance

protects your health, life, and income

Accident insurance

covers the consequences of injuries

Disability insurance

support when you lose the ability to work

Critical illness insurance

financial support in case of serious diagnoses

Sick-leave insurance (PN)

covers loss of income during treatment

Property and household insurance

protects your assets

Liability insurance

protects against damage caused to third parties

Life insurance is not an investment

A very common mistake is bundling protection and investing into a single product without proper analysis.

Insurance is primarily there to cover risks.

It's not meant to replace a separate investment strategy.

When setting things up, it's important to distinguish:

• income protection
• risk cover
• long-term saving
• investing

Each area may call for a different solution.

What to watch out for in an insurance policy

Many clients look only at the monthly premium.

But other factors matter just as much:

• the amount of cover
• waiting periods
• policy exclusions
• how diagnoses are defined
• the terms for paying out
• indexation
• the length of cover

A low price doesn't automatically mean a good policy.

Exclusions — what an insurer may not pay out for

Every insurance contract contains situations where the insurer may decline to pay out.

Examples:

• deliberate actions
• false information given when signing the contract
• events listed under exclusions
• breach of policy terms

That's why it's important to understand the details of the contract before signing.

Mortgage and insurance

With a mortgage, the question often comes up: how do you protect your ability to keep repaying the loan?

Suitable cover may include:

• death
• disability
• long-term sick leave
• serious illness
• loss of income

The goal isn't to insure everything — it's to cover situations that could significantly hit the family budget.

Insurance needs to be reviewed regularly

Life changes, and your insurance should change with it.

Triggers may include:

• marriage
• the birth of a child
• a new mortgage
• a higher income
• buying a property
• running a business
• a change of employment

An old setup may no longer reflect your current needs.

Most common insurance mistakes

• choosing insurance by price alone
• cover amounts that are too low
• duplicate cover across several policies
• out-of-date personal information
• ignoring exclusions
• insuring risks you don't actually need to cover
• leaving the policy unreviewed for years

Even well-intentioned insurance can become inefficient over the years.

An individual approach, without unnecessary pressure

Insurance shouldn't be about selling as many products as possible. The point is to understand your situation, your financial commitments, and the real risks — and then set up protection that makes sense, is clear, and gives you security at the moments when you actually need it.

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