experts advise parents with children at least a personal liability insurance and term life insurance that is tailored to the needs of the family. At least for the primary wage earner should also exist in the disability insurance. For the children a good disability protection.
Under no circumstances families do without a private insurance - is good insurance for as little as 50 € a year.
Personal liability jumps back, if one of the family members harms another person. Without private insurance can have a "simple" accident causing incalculable costs on the bike path when the victim is permanently impaired. With children, the liability insurance is particularly important.
The term life insurance pays the agreed sum insured of the survivors if the insured person dies. Both parents should hedge their risk of death associated with a so-called term life insurance for the family in the worst cases can not even fall into financial difficulties. Families choose the best term life insurance is three to five times the annual income than the sum insured.
The disability insurance, a jump when his job for health reasons can not exercise more - whether because of illness or accident. Those who agreed received a disability pension, gets a monthly allowance in an emergency until the end of the contract period. The amount of disability pension should be calculated on income. Cheaper than a disability insurance may be an accident. Paid only when one is actually disabled by an accident. Who no longer work because of heart, joint, cancer or mental illness can be protected only with a true disability insurance.
parents for their children should complete a full protection disability insurance instead of just one accident, because diseases are more common in children cause of permanent disability as accidents. But services for burns should be included as seriously injured performance.
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