Protect your income with disability insurance

Disability insurance provides you with additional income if you are unable to work due to illness or an accident. You will then receive a benefit from the insurer. You can determine the amount you will receive depending on your wishes and preferences. This amount, and thus the premium, is tailor-made. Many people think that an AOV is "expensive" insurance, but for real estate agents, appraisers and building inspectors, the costs are often lower than expected because the work is usually not considered heavy or dangerous.

For whom.

AOV is for the business owner only and provides periodic benefits in the event of permanent disability. This insurance pays out in all cases of disability. Most AOVs pay out at 25% disability, with the degree of disability determined by an expert. For example, if you are 40% incapacitated, you are expected to still be able to perform 60% of your work.

You can have an accident during working hours, as well as at home or on vacation, in which, in the worst case, you become permanently disabled or even die. With business accident insurance, you (or your dependents) receive a lump sum financial benefit. This insurance can be taken out for your employees, and you can also co-insure yourself at an advantageous rate. This gives you extra security for a low amount in case of disability.

Accident insurance benefits: 

• World coverage and 24-hour coverage: during working hours, at home and on vacation.
• A wide circle of insureds: for all your employees and the possibility of self-insurance.
• Beneficial premium.

For whom

This insurance is for both your employees and yourself as a business owner. In case of permanent disability, you will receive a lump sum benefit. The benefit is only in case of accidental injury and accident insurance is different in intent: in case of total disability, you will receive the entire amount regardless of whether or not you are able to work again.