Family concept

The family concept: parents carry everything — who covers them?

A child’s savings plan is only as stable as the income behind it.

  • Protect the parents’ income and ability to work
  • Liability and health sorted for the whole family
  • One concept instead of five overlapping single contracts
Free initial consultation
In short

The family concept in 30 seconds

Your child’s savings plan is only as stable as the income behind it. Five building blocks protect exactly that — as one coordinated package, not five separate contracts. The advice is free: the providers pay us.

  • Disability or basic-abilities cover: your ability to work is your biggest asset
  • Personal liability: the one insurance you cannot go without
  • Private health insurance: for those it truly fits — checked honestly
  • Accident + term life: when life interferes
  • One package, one contact, no double insurance
The foundation

Why the foundation comes first

Everything you build for your child stands on your income: the child savings plan, your own investments, the rent. If the ability to work fails, more than a salary breaks away — the whole plan does.

The foundation protects the child savings plan: it keeps running even when things get tight
It protects your own investments: nothing has to be liquidated in an emergency
It protects your daily life: rent, loans and living stay payable

That is why we advise it as a package: coordinated, without gaps and without double insurance — and as always free for you.

In short

What belongs in the family concept?

Everything hangs on the parents’ income. If it stops — through disability, an accident or death — even the best children’s savings plan breaks. So the family concept protects the adults first: ability to work, liability, health, surviving dependants. What you actually need depends on your situation — and we will also tell you where you are over-insured.

The building blocks

The five building blocks at a glance

Disability or basic-abilities cover for parents

Your ability to work is your biggest asset — often more than a million euros over a working life. If it fails, BU replaces the income.

Personal liability

The one insurance you cannot go without: it covers damage for which you — or your children — are liable without limit. Details

Private health insurance

For those it suits: better care and plannable premiums — but only after an honest calculation across decades, not the entry premium.

Accident insurance

Works worldwide, around the clock — where statutory cover (work and commute only) stopped long ago.

Term life insurance

If one income disappears, the rent, the mortgage and the child’s savings plan must not disappear with it. Big protection for small premiums.
Self-check

How stable is your financial structure?

Four questions about the foundation — answered honestly, they say more than any product comparison.

1. Do you have an emergency fund of three to six months of expenses — separate from the savings plan?

Without it, every incident taps the savings plan.

2. Are your ability to work (disability insurance) and liability covered?

The foundation that protects everything else.

3. Are you saving for the child AND your own retirement in parallel?

Saving only for the child shifts the problem one generation on.

4. Do you know the full costs of your products over the whole term?

1% more per year is huge over 18 years.

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Parents first — then everything else grows safely

45 minutes, free — we look at what you have, what is missing and what can go.

Free initial consultation
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