Strengthen your financial health with life insurance from CSS
Good health means more than just a healthy body – your finances need to be in good shape too. Illness, accident, disability or death can turn any life upside down. With life insurance from CSS, you can protect your income and your family.
Why financial health is now so important
Many people ask themselves: What happens if my income suddenly disappears? An accident or illness can change everything in an instant. Bereavement, too, often brings serious financial worries.
Quick check: How well are you protected?
Take a moment to answer these questions.
- Are there people who depend on you financially?
- Could you manage for an extended period without an income?
- Do you have a mortgage or high fixed monthly outgoings?
Review your financial planning now – we’ll help you. Together, we’ll find the right solution for your financial security.
Typical life events – when does financial planning become especially important?
Life is always changing. The birth of a child, buying a home, changing jobs or retiring: These are the moments when it pays to review your financial planning. Acting early means avoiding financial gaps later on. Now is the right time to strengthen your financial health.
Important forms of insurance for every stage of your life
| Retirement objective | Insurance options |
|---|---|
| Covering risks | Death Benefit Insurance, Loss of Earning Capacity Insurance, Accidental or Illness-Related Death or Disability Insurance |
| Saving money | Pension planning |
| Investing | Investment Plan, Drawdown Plan |
Starting early: small amounts, big difference
The earlier you start, the easier it is. Even small monthly contributions can make a real difference over the years. Starting early means benefiting from lower premiums and greater financial security. For young adults especially, getting advice and starting to plan ahead early is an important step.
Starting a family – protection for the people you love
The arrival of a child changes everything. Many parents find themselves asking: What would happen to my family if something happened to me? We have a variety of solutions that will give you financial security – like CSS Death Benefit Insurance or Accidental or Illness-Related Death or Disability Insurance that can be used to cover essential costs – such as rent or mortgage payments, the children's education and everyday living expenses. This prevents your family from suddenly facing financial difficulty. Ask our experts for advice – together we’ll find the best solution for you, tailored to your needs. Arrange an advisory appointment today.
Protecting your home and mortgage
Buying a home is a dream for many people, but it also comes with a significant financial commitment. If the main earner is unable to work, the mortgage can become a burden. The right protection, such as CSS Death Benefit Insurance, can ease the financial pressure on your family and help secure your home.
Financial security in later life – worry-free retirement
When reaching old age, you want enough money to live comfortably and without financial pressure. Many people underestimate how quickly a pension shortfall can arise. Without proper planning, you may have to forgo travel or the finer things in life. Seek advice early, so you can retire with peace of mind.
Bank or insurance: Which is right for you?
Many people save with their bank. That’s a good start, as saving under pillar 3a also lets you save on tax. But saving alone doesn't protect you against risks. Insurance combines saving with protection.
Comparison
| Bank | Insurance (CSS) |
|---|---|
| Plain saving | Save regularly, with the flexibility to adapt if your situation in life changes |
| No risk cover for death, disability, accident or illness | Premium waiver in the event of accident or illness |
| No insurance cover on death | Insurance cover on death and loss of earning capacity |
| Flexible deposits and easier to withdraw money | Less flexible inpayments and advance withdrawals |
Cover in the event of death or loss of earning capacity
If you’re unable to work due to accident or illness, you may lose all or part of your income. CSS Loss of Earning Capacity Insurance is there for exactly this situation. It safeguards your income and provides additional protection for your family. Should the worst happen, your loved ones receive a payout – helping to prevent serious financial hardship.
Save regularly – the simpler way to reach your goal
Many people want to save but struggle to do so consistently. With an insurance plan, you pay in a fixed amount each month, gradually building up your wealth without having to think about it constantly.
CSS as your partner for financial planning – everything under one roof
Most people know CSS as a health insurer. For many years, we’ve been supporting people in all areas of health. And we now offer even more solutions for your financial protection. Benefit from our experience, our trust and our expertise – for all-round financial health and security.
Advantages for you:
- familiar, trusted advisors
- what cover you already have
- which solution best suits your life
Check the gap in your financial planning today
Many people aren't sure exactly how well covered they are. A consultation will give you a clear picture. Together, we'll look at:
- what risks you face
- what cover you already have
- which solution best suits your life
Request your personal consultation now – and protect the financial health of yourself and your family.
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