Disability and unemployment benefits will always lead to less income. This means that you can get in trouble with your mortgage. A woonlastenverzekering or aflosverzekering can be an effective solution to this risk is to be covered, but it is important, however, to come to any other options to look at.
There are many different types of insurance for housing. Some insurance policies will pay each month an amount, other times it is a lump sum of. Therefore, reduce your mortgage, so interest payments fall, and the easier it will be to take the burden of paying if anything happens. The premium is typically a few tens of dollars per month.
“Ten or fifteen years ago, this is a bad product.”Rene Cooper, a financial planner is 'not an adequate safety net",
Hans André de la Porte, of the Association, Own a Home, it is quite critical in this kind of insurance coverage. "It's not a cure-all. We have to have these products ever been assessed and it is found that you have to be something really special and had to have it. A lot of their personal circumstances, or conditions were excluded, or limited, to be covered, though, is that it has increased in recent years. A woonlastenverzekering it is, therefore, not an adequate safety net."
Rene Cooper is a financial planner and provides a lot of training and trainers. It recognizes that the image of the product is not good, but it points out that there is a lot of it is improved. "Ten or fifteen years ago, this is a bad product, and you paid high commissions to an advisor. That is where the negative image comes from. However, the coverage and the terms and conditions are now safe."'Incapacity to work is not a small risk -' < / p> He also points out that it is particularly important to reduce the risk of occupational disability cover. "In the event of unemployment, you can always do something. If necessary, you can slightly lower the salary back to the tank. To drive you home, and you have no choice."
"There have been more than half a million people who have an incapacity benefit (WIA benefit, as they will be unable to work. There is also an influx of 40,000 people. This is not a small risk."
According to Cooper, it is the conclusion of a woonlastenverzekering, however, as a last resort. "You have to start with yourself. Do you have a reservepotje to reduce the risk of capture? I also like to see someone say, " my parents are very rich, and if I am in trouble they help me."
“The consumer is inclined to say that he gets it, and it's a risk well taken.”Rene Cooper, a financial planner Options, good map < / p> in Addition, it is always good to see the work of a regime is in place. "Employers will often have collective solutions, which you can do the same. Because of that, all employees are to be redeemed, to have a certain solidariteitsgehalte. It is also easier to use. You can also choose to get them to do it, and don't get to do a comprehensive inspection." If the option is there, it's not coming from a commercial insurance company in the picture.
Cooper believes that it is, in any case, it is important that consumers are aware of the risks and of their options as well in the future. Too often, he will see that it doesn't happen. "In terms of both the consumer and the markets don't really care. When the going gets tough, the consumer is inclined to say that he gets it, and it's a risk well taken. However, if something happens, you will be glad that you have such an insurance coverage will have to close."