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When you conclude a mortgage, it is advisable to directly take out a life insurance policy. In this way, your loved ones are not left with a debt of an outstanding mortgage, should you pass away. Other reasons for a life insurance are having a family or partner who is financially dependent on your income or for example a business partner who has to fill the void in your absence with an expensive employee.

Besides a life insurance, which is intended for your relatives, you also have to take care of yourself. A Disability Insurance pays the insured amount to the policyholder when a disability makes working impossible. At such times all income ceases and your expenses increase. Often your residence needs to be adapted, medical expenses, mostly home nursing, housekeeping help etc. In order to cover against this financial risk, you can add extra coverage on your life insurance.