NuRNBERGER Nuremberg informed BUV for students and trainees, in July 2012. Students, trainees and young professionals can not afford often a disability insurance (BUV). But the protection is essential for them, because they get usually nothing from the State, they should be at the beginning of her career berufsunfahig. The NuRNBERGER Lebensversicherung AG now offers a way to hedge the risk of disability at low cost. According to projections of the German Association of Actuaries, 43 percent of the now 20-year will be berufsunfahig in the future. Therefore, even consumer advocates recommend a private disability insurance.
To start early is also important, because you have usually have no health problems that may complicate the completion. But young people often defer the decision for a BUV given their tight budgets. The new Nuremberg beginners BU offers the solution. The Nuremberg beginners-BU is a self-employed comfort-BU insurance with an insured occupational disability pension increased in the first five years because of the missing State protection. Nevertheless, the contribution to be paid is in this period, well below the usual independent disability insurance initial contribution.
Between the 6th and the 10th year of the insurance, he rises in moderate, the purse of the customer-friendly steps. This ensures that the guaranteed pension is constant until the end. An example illustrates this: A 25-year architecture student, who guaranteed a monthly BU pension of 1,000 euros agreed to pay only 20,01 euros per month in the first five years. The premium is a usual independent BU insurance to about 45 percent below the initial post. At the beginning of the 6 to 10 year of insurance increases the contribution in small steps hardly more than 4 euros 41,07 euros and remains the same (depending on the amount of profit-sharing) from then on up to the agreed limit age 67 years. An age between 14 to 30 years applies to the Nuremberg beginners-BU, the final age is between 60 and 67 years. The insurance guarantee provides that in the event of certain events, such as the completion of the training, marriage or career the insured pension without re-examination of health each can be increased by up to 50 percent on maximum 2,500 euros. Learn more about the Nuremberg BUV are available under: