A 35-year-old painter, non-smoker, earns €1,400 net. With a monthly premium of €51.01, the painter will receive a pension of €1,000 per month and/or a one-off lump sum of €12,000 if a risk event occurs. Occupational disability cover of €1,000 per month would, by contrast, require at least twice the amount.
A 30-year-old architect, non-smoker, earns €2,235 net and wants to receive around 70% of his previous income if a risk event occurs. He chooses a pension of €1,500 per month, which he is entitled to not only in the event of disability, but also if he needs long-term care or loses his basic abilities or in the event of an accident. A one-off lump sum of €18,000 on the occurrence of a critical illness or in the event of death is included. A monthly premium of €96.89 comprehensively insures the man.