What is the best AOV insurance?

Does the best AOV insurance depend on your personal situation?

What is the best AOV insurance for you as an entrepreneur depends on your personal situation and wishes. The chance of becoming disabled may seem small, but many entrepreneurs underestimate this risk. How risky is your profession? Some professions have a higher chance of becoming disabled than others. For example, an office job is less risky than a job as a landscaper or construction worker. When you do a lot of heavy physical labor, the chance of having an accident at work is also higher. Nevertheless, AOV insurance is relevant for every profession. After all, you can also get sick or have an accident in your spare time. Think for example of a bad fall, a car accident or a virus or bacteria. You choose how well insured you want to be.

What should you pay attention to when choosing AOV insurance?

When choosing an AOV insurance, of course, it is not only about the amount of the premium. The most important thing is that you are well insured, should you become disabled. For an AOV you pay a considerable amount of money every month, so it is good to find out exactly what you need. When choosing the best AOV insurance, there are a number of things to consider.

• What portion of your income do you insure?

You choose the amount you want to insure. For example, this can be 80% or 70%. It is important that you look carefully at what amount you need to pay your fixed expenses. With some insurers it is even possible to insure 90% of your income the first year. The amount of the amount does affect the premium. The higher the insured income, the higher the premium.

• Which waiting period do you choose?

The waiting period is the period that the AOV does not yet pay out. So you are already incapacitated for work, but the insurer does not pay out yet. You can determine the waiting period yourself. The longer the waiting period, the lower the premium. You can choose a waiting period of 2 weeks, but also of 2 months. You know best what kind of period you can cover yourself financially. A longer waiting period will result in a lower premium, but you will have to wait longer for your benefits.

• How long do you allow your AOV to continue?

Consider carefully up to what age you want the benefit to continue. Do you want to be assured of an income until you retire or receive an old-age pension, or is a shorter period a good idea? You choose the final age up to which you want the benefit to continue. For example, you can also choose a benefit period of 2 or 5 years. This saves you a lot in premiums, but then you are not guaranteed an income until you reach retirement age. So you need to make this consideration.

• What extras does the insurer offer?

An AOV is an important insurance policy. Therefore, finding the best AOV insurance is not just about comparing the premium. Look carefully at the coverage and conditions of the insurer. Does the insurer also offer extras, such as help with reintegration or around prevention?

Take out AOV insurance directly through Alpina

As you have read, finding the best AOV insurance has quite a bit to do. On Alpina.nl we have tried to make it as easy as possible for you to take out AOV insurance. Moreover, you can request a free quote. This way you can easily compare the offers. Do you have any questions about AOV insurance? Please contact us!