Income Protection Insurance
It guarantees a monthly income in case of temporary disability due to illness or accident, preventing loss of liquidity and debt when you are unable to work.
They are especially crucial for self-employed and freelance workers , whose variable income lacks the safety net of social security sickness benefits.
Financial Protection
They pay a contracted income , covering fixed expenses such as loans, rent, and essential bills.
They often include compensation for permanent disability, death by accident or hospitalization , preserving the standard of living and protecting family members.
Advantages for independent workers
They compensate for the absence of automatic social protection, guaranteeing stability in high-risk professions or those with irregular incomes (doctors, lawyers, managers).
24/7 worldwide coverage, flexibility in choosing your income, and fast claims processing, reducing stress during critical moments.
Preventing greater risks
They avoid debt or resorting to savings in cases of prolonged disabilities, which can last for months and compromise future productive capacity.
They complement Social Security (which has long waiting periods and low benefits), offering a personalized and tax-advantageous safety net .
Customized solutions
At AJSEG, we provide consulting services to identify the solution best suited to your needs.