Van den Boer & Roggen
Financial peace of mind for you and your family
Life is full of beautiful moments, but it also has unexpected twists and turns. Think death, illness or unemployment. Income insurance helps you limit financial worries in such situations. This way you prevent your loved ones or yourself from running into financial problems when things get tough.
Income insurance pays an amount in the event of death or loss of income due to disability or unemployment. Which insurance fits best depends on your situation and wishes. We are happy to think along with you.
Term life insurance (ORV).
Term life insurance pays a pre-agreed amount if you die within the term of the policy.
This may be important for:
- Paying off (part of) your mortgage,
- Making up for lost income for your spouse or children,
- Providing financial peace of mind for your dependents.
Disability
What if illness or an accident prevents you from working (temporarily)? Your income can drop significantly, while your fixed expenses – such as the mortgage, groceries and insurance – continue. Disability insurance provides financial security in such situations. There are several possibilities:
Employee disability
In salaried employment, you can suffer a significant drop in income in the event of long-term illness. In the first two years, your employer will usually continue to pay between 70% and 100% of your salary. After that you often end up in the WIA (Work and Income according to Labour Capacity Act) and that can mean a substantial drop in income.
A supplementary disability insurance can cover this risk, for example through:
- An income supplement on top of WIA benefits,
- A charge protector that specifically continues to pay your living expenses.
These insurance policies ensure that, even in the event of a long-term loss, you remain financially stable and do not have to compromise on your living comfort or standard of living.
Disability for business owners
As an entrepreneur, you do not build up an automatic safety net in case of disability. If your income falls away due to illness or an accident, there are no payments from the government. A disability insurance (AOV) ensures that you still have an income when you are (temporarily) unable to work.
With an AOV, you can:
- Continue to pay your fixed expenses, such as the mortgage or rent,
- Maintaining your standard of living during illness,
- Offering your business and family peace and continuity.
You determine the insured amount, the waiting period (e.g. 1, 2 or 3 months), and up to what age you want to be insured. We help you choose an AOV that suits your profession, income and future plans. In short: you take care of your business – we take care of you when you need it.
Together we look at which insurance suits your work, income and family situation best. That way you have security, even if your health temporarily doesn’t cooperate.
