Risk protection Protect against the risks of disability and death

What would happen if...? Do you want to ensure your family or business partner has financial protection if the worst happens? AXA's solutions will help you do just this.

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Frequently asked questions

  • What does disability mean?

    Disability is when someone has an occupational disability over a longer period of at least one year. This occupational disability must be due to impairment of their physical, mental or psychological health. It makes no difference whether the occupational disability is congenital or due to an illness or accident. 

  • What’s the difference between incapacity for work and occupational disability?

    If someone is no longer or only partially able to carry out their contractual work, this is referred to as incapacity for work. As with disability, the reasons for the incapacity must be due to impairment of their physical, mental or psychological health. The difference between this and occupational disability/disability is that someone who is deemed incapable for work is unable to carry out their previous work (e.g. as a construction worker) for physical, mental or psychological reasons, but is in principle capable of doing another job. If this incapacity applies to all professional activities, this is referred to as occupational disability. 

  • Can term life insurance be concluded for more than one person?

    If you opt for term life insurance in combination with Pillar 3b, you can insure two people. If one or both insureds die, the one-time lump-sum payment is paid out.

  • Is it possible to choose the beneficiaries of the term life insurance?

    The beneficiaries of the lump-sum death benefit depend on the solution you choose: If you opt for term life insurance with your Pillar 3 solution, you can choose the beneficiaries in accordance with the statutory provisions. These provisions depend on your marital status. If you opt for a Pillar 3b solution, you are free to choose the beneficiaries. The lump-sum death benefit will be paid directly to the beneficiaries and does not form part of the deceased's estate. 

Comprehensive pension provision for you and your family

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    Investing money profitably

    Make more out of your money. EasyInvest can help you do just this. It’s a simple and profitable way to invest your disposable money and retirement savings.

    To EasyInvest discretionary management
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    Save taxes thanks to 3a

    If you pay your 3a money into several accounts, you will have the option of making staggered withdrawals and earn attractive tax advantages when you retire.

    To the SmartFlex pension plan
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    Additional income for your old age

    Regularly improve your budget while at the same time making hassle-free return-oriented investments; our payout plan gives you financial security after you retire.

    To EasyInvest payout plan

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Do you have any questions, or would you like a no-obligation pension consultation? Our experts are there for you.

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