Disability insurance

Need disability insurance? Crefin & Partners: your independent insurance advisor helps you cover disability risks.

As an entrepreneur, you are often the driving force behind your business. What if you can no longer work due to illness or an accident? Disability insurance (AOV) ensures an income if you become incapacitated. At Crefin & Partners, as independent insurance advisors, we help you choose disability insurance that suits your business and personal situation. Request a free consultation and discover how to protect yourself and your family.

What is disability insurance?
Disability insurance pays out a monthly amount if you are unable to work for longer than a certain period due to illness or accident. You can choose how quickly the benefits start (waiting period) and the amount you receive per month.
What can you cover with disability insurance?
You can tailor your disability insurance to your specific profession (occupational disability) or to general work (general disability). Additional options such as a benefit for partial disability, indexation, or a partner benefit are often available.

As your independent insurance advisor, we provide advice based on your income and industry. Contact us for a free consultation. Would you like to know the cost of our advice? Then please visit our rates page.

Disability insurance: frequently asked questions

  • Replacement income in case of long-term absence
  • Protection of your private and business finances
  • Tax-deductible premium for many entrepreneurs
  • Peace of mind and security for you and your family
Our insurance advisor ensures a policy that is realistic and affordable.
  • The premium depends heavily on your age, profession, and health.
  • Choose a suitable waiting period and benefit duration
  • Pay attention to the definition of incapacity for work (own profession vs. general).
  • Optionally combine with absenteeism insurance for your staff
Yes, for many entrepreneurs they are considered business expenses.

Depending on the chosen waiting period (often 30 days to 2 years).

Yes, if it leads to disability.

Yes, you determine the desired monthly amount yourself.

Yes, with most policies you can choose a partial payout.