A 30-year-old architect, non-smoker, earns 2,235 EUR net and would like to receive around 70 % of his previous income in case of the realization of an insured risk. He chooses a annuity of 1,500 EUR per month, which he is entitled to not only in case of disability, but also in case of the need for care, loss of basic faculties or an accident. A lump-sum payout of 18,000 EUR is included in case of serious illness or death. With a monthly premium of 97 EUR, the man is comprehensively covered.