You must describe exactly what your tasks and activities are in your job and how long some of them take and how time-consuming and complex they are. It is also important which other activities and processes depend on yours. To illustrate this, you can describe an average day from morning to night.

If you are unable to work due to an accident or illness, or you can only do your work to a limited extent, the deficit in your work performance will determine your disability.

If you can only do 50 percent of your work, you are unable to work for at least six months for health reasons, such as illness or after an accident. You can also think of it like a cake that consists of the following three parts: the time, the degree of your disability and the money you can get from it.

Especially when you take out your BU insurance online, you should not do without an advisor. After all, it is a complex matter that will also accompany you in the coming decades and should protect you. Therefore: It is best to only complete an online degree with a consultant. That saves time and money.

If the insurance is taken out online, this can have advantages for you. It is usually less complicated and involves less "paperwork". However, an advisor should also help you, since the online degree can quickly overwhelm private users, something is forgotten or ignored.

If you take out BU insurance through your advisor, they will also regret you in the event of a claim. This can have many benefits, including filing your claims in the event of insurance complications or generally knowing what to do in the event of a disability.

An advisor can help you to find the best and cheapest insurance from the wide range of providers, as they are particularly familiar with the topic, offers and clauses. A good consultant can save you a lot of money. Disability insurance in particular becomes cheaper with advisory help and includes more services tailored to you, should the worst come to the worst.