Income Protection

An accident or illness can put your life on hold. But your bills won’t wait. Income Protection Insurance ensures you continue to receive an income when you’re unable to work, so you and your family remain financially secure.

Why it matters

For the self-employed and company directors, the social safety net is limited — making income protection almost essential.

But employees, too, can benefit: even with sick pay or employer support, a longer absence can leave a significant gap between your usual income and what you receive. This insurance bridges that gap and safeguards your financial stability.

How it works

With a monthly premium, you guarantee yourself a steady income in case of illness or accident. The insurer pays you a regular benefit on top of any support you receive from social security or your employer.

This allows you to focus fully on your recovery, without financial stress or disruption to your standard of living.

Key features

• Coverage up to 80% of your income, including allowances from social security or other policies.
• Flexible protection – you choose what to cover: illness and all accidents, illness and private accidents, or illness only.
• Custom payout options – constant, increasing, or gradually increasing benefit depending on your needs.
• Very limited waiting periods – you can choose a short waiting period or even coverage that pays from day one, ensuring cash flow continuity.
• Coverage even below 25% disability – we offer solutions that provide benefits even for lower levels of incapacity, where many standard policies do not.
• Easy entry – no financial acceptance procedure below €30,000 insured amount, and no medical exam required under age 45 for coverage up to €25,000.

Tax benefits

Your premiums are often tax-deductible if you are independent/self-employed, with attractive fiscal and social advantages.

A personal consultation can show you exactly how this applies to your specific situation.

Why start now?

• The younger you are when you sign up, the lower your premium.
• You can tailor your plan step by step to match your budget and lifestyle.
• You enjoy peace of mind, knowing your income — and your family’s future — is protected.