Insurance · Module 5

What if you
couldn't work?

Loss of earning capacity strikes more often than death – and tears a hole.

!
Protecting your income
The problem

The income gap

100 %
Salary
today
~60 %
Disability ins. + fund
+ gap
Your gap

For illness the gap is often larger than for an accident.

How it works

A replacement income

Premiumsmall amount per year
Unable to workthrough illness or accident
Pensionmonthly replacement income

Precisely defined: waiting period, pension amount and term.

What matters

The right parameters

Illnessmost common cause – often poorly covered
Waiting periodwhen the pension starts
Amounthow much salary is replaced
Accident or illness?

Where the gap really opens

Accident

Usually solidly covered by mandatory accident insurance.

Illness

The bigger gap – this is where protection is missing most often.

Waiting periodAmountTerm
Good to know

Do you know your cover?

💡 First step: Check how much of your salary would actually continue in case of illness – the gap is usually bigger than expected.
Request advice

This video does not replace personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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