Berufsunfähigkeitsversicherung: So machst du keine Fehler beim Abschluss!

Disability insurance finally explained simply and completely! This is truly the only video you need to watch to fully understand disability insurance and decide whether or not you need it. There's hardly any insurance policy as hotly debated as disability insurance. And often, a lot of dangerous misinformation is involved. In this video, you'll learn everything important you need to know about disability insurance, and I'll also debunk various myths, such as the idea that disability insurance doesn't pay out if you could theoretically still perform another job. For everyone who sticks around until the end, I have a very special gift that will guarantee you make no mistakes when taking out disability insurance. 💻 FREE online disability insurance consultation ►► https://www.versicherungenmitkopf.de/... 📑 FREE disability insurance check ►► https://www.versicherungenmitkopf.de/... ✅ Download the free disability insurance checklist ►► https://www.versicherungenmitkopf.de/... 📝 Expert articles on disability insurance ►► https://www.versicherungenmitkopf.de/... 📃 One in four people will become disabled ►► https://aktuar.de/politik-und-presse/... 00:00 Disability insurance: Everything explained from A to Z! (2026) Introduction 00:59 How does disability insurance actually work? 02:21 Illness, injury, and more than age-appropriate decline in strength: Triggers for disability benefits 03:39 50% disability – what does that mean? 04:59 At least 6 months of disability – why? 06:44 Who needs disability insurance? 08:06 Do civil servants need disability insurance? 08:57 Do students need disability insurance? 10:23 State benefits in case of disability 12:07 The reasons for disability 13:13 Which factors influence the price of disability insurance? 14:52 Important clause in disability insurance 21:22 Health questions for disability insurance 22:30 My disability insurance gift for you! On the YouTube channel "Insurance Made Easy," Bastian explains 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 types of insurance are essential for your livelihood and how your insurance needs can change throughout your life. Stay up-to-date on important policy changes regarding insurance, retirement planning, pensions, and more. Free online consultations and the free "Insurance Made Easy" app are available to you. Important Notes: Links marked with an asterisk (*) are affiliate links. If you click on one of these links and make a purchase, I receive a commission. The price remains the same for you. I handle affiliate links responsibly and only recommend services and products that I use myself 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, and private retirement planning—and more.