Risk protection Protect against the risks of disability and death

What if ...? Do you want to ensure your family or business partner have financial protection if the worst happens? AXA's solutions will support you.

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Unexpected events such as illness, accident, or death do happen and can place a considerable financial burden on your family or business partner. To prepare for the worst, you can take out term life and  occupational disability insurance, giving you and your dependents financial security. 

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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 an 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. A one-off lump-sum payment is made in the event of the death of one of the two insured persons.

  • 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. 

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