Securing construction financing

We also dealt with the topic a few years ago. Especially with insurance, unfortunately it is like this: When you don't need it, everything is great, but when you do need it, they let you down. Especially with disability insurance, the company tries everything not to pay. The risk life insurance is absolutely sensible; I would not take out anything else with any insurance company.

Of course, every insurer tries to find a reason to refuse payments. It is really important to answer the (health) questions honestly when signing the contract. For this, we obtained an overview from the health insurance company with information on which doctors we visited during the relevant period and what they reported/billed. Additionally, we got a copy of the medical records from the general practitioner, and then we also contacted some specialists... we are "healthy" and rarely visit doctors, yet, for example, I would have forgotten to mention that I once saw a specialist for wrist pain... my husband had circulatory problems for a while and therefore visited the general practitioner and an internist. Nothing was found, and it passed on its own, but both in disability insurance (BU) and supplementary disability insurance (RLV) there were multiple inquiries, and we had to obtain reports. If we, in our view, had not mentioned these labile conditions, the insurers would certainly have had a basis for not paying in the event of a claim.

The question is just which professions make a disability insurance worthwhile. I am a hospital controller and, for example, I could still easily do my work normally even in a wheelchair. We will get advice on that.

I see it differently. The probability may be lower, yes, but there are still plenty of illnesses and accidents that can make someone unable to work even as a number cruncher. Everything related to the head. Nerve damage. Both hands off. Psyche.
The fact that it is unlikely is then reflected in the premium amount.