Berufsunfähigkeitsversicherung Kritik: Was stimmt wirklich?

💻 FREE online disability insurance consultation ►► https://www.versicherungenmitkopf.de/... 📑 FREE disability insurance check ►► https://www.versicherungenmitkopf.de/... ✅ FREE contract check ►► https://www.versicherungenmitkopf.de/... 📝 Expert article "Disability Insurance Criticism" ►► https://www.versicherungenmitkopf.de/... 📝 Ultimate Disability Insurance Guide ►► https://www.versicherungenmitkopf.de/... 📝 All information about the book "Totally (Un)insured" ►► https://www.versicherungenmitkopf.de/... 00:00 Disability Insurance Criticism: What's Really True? Introduction 00:42 What disability insurance covers 02:13 Disability insurance is essential 02:51 Problematic clauses 03:45 Is disability insurance too expensive? 04:18 Critical offers 05:07 Taxation of disability insurance 05:47 Supplementary disability insurance 07:07 Does disability insurance really not pay out when a claim is made? 08:04 Why taking out disability insurance needs to be prepared so thoroughly 08:41 Why tradespeople pay more for disability insurance than office workers 09:11 Conclusion Criticism of disability insurance has been a major issue for years. It is often claimed that disability insurance does not pay out in serious cases or deliberately looks for reasons to deny claims. At the same time, disability insurance is one of the most important types of insurance because it protects your ability to work and thus your income. However, the statement that disability insurers "never" pay out is simply not true. In fact, many claims are approved and the agreed-upon disability pension is paid out. However, it's also clear that insurers scrutinize claims very carefully to determine whether the requirements for occupational disability are met. Therefore, payment is generally not made without further documentation and verification. It's also important to understand that many problems arise much earlier – namely, when taking out the disability insurance policy. Disadvantageous clauses or unsuitable contract terms can often be avoided if the disability insurance is carefully selected from the outset and the health questions are answered correctly. You'll learn which criticisms of disability insurance are justified, which accusations are often exaggerated, and what you should absolutely pay attention to when taking out disability insurance. On the YouTube channel "Versicherungen mit Kopf" (Insurance with Brains), Bastian and his team explain insurance in the simplest way possible. Insurance finally explained in your language. Understand which insurance policies you really need and which you don't. Learn why some insurance policies are essential for your livelihood and how the need for insurance can change throughout your life. Stay up-to-date on important policy changes regarding insurance, retirement planning, pensions, and related topics. Our free online consultation service is available for this purpose. We are a licensed insurance broker in accordance with Section 34d of the German Trade Regulation Act (GewO). Important Notes: Links marked with an asterisk (*) are affiliate links. If you click on such a link and make a purchase, I will receive a commission. The price remains the same for you. I handle affiliate links responsibly and only recommend services and products that I personally use and/or whose benefits and added value I am convinced of. Disclaimer: The author/speaker assumes no liability for the timeliness, accuracy, completeness, or quality of the information provided. Liability claims against the author relating to material or immaterial damages caused by the use of the information provided, or by the use of incorrect or incomplete information, are generally excluded to the fullest extent permitted by law. This video does not constitute professional advice in any way and is not a substitute for it. — "Insurance with a Brain" is the brand of VMK Versicherungsmakler GmbH. Founder & Managing Director: Bastian Kunkel. Insurance with a Brain is an expert in disability insurance, private health insurance, private retirement planning, term life insurance, civil servant insurance – and more.