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Absicherung21 June 2026· 5 min read

New conditions for disability – is it worth changing?

Current tariff generations often do without abstract reference and shorten forecast periods. For existing customers, however, a change does not automatically make sense.

The price of a BU insurance is rarely the problem – crucial are the conditions in the benefit case: abstract reference, forecast period, reporting periods and after-insurance guarantees.

However, a change means a new health check. Anyone who has collected diagnoses in the meantime risks exclusions or rejection. The existing contract is then often more valuable than any better work of conditions.

We compare stock and market anonymized before any application is made – so that your existing protection is never jeopardized.

What you should do now

  • Never terminate before the new contract is policed
  • Use after-insurance guarantees for salary jumps
  • Anonymous risk assessment instead of a direct application