Wirklich wichtig oder überschätzt?
Als Familienmensch mit Nachwuchs solltest du besonders auf die Absicherung diverser Lebensrisiken achten – wird zumindest vielfach behauptet. In der Tat ist das so. Dabei sind einige Absicherungen je nach Lebenssituation wichtiger als andere. Doch allgemein unterliegen Familien einem höheren finanziellen Risiko. Hier erfährt so, warum das so ist und welche Risiken gemeint sind.
Die Sache mit dem Nachwuchs
Die eigenen Kinder bringen für Eltern eine große Verantwortung mit sich. Und das nicht nur in Sachen Erziehung. Auch was die finanziellen Rahmenbedingungen angeht, muss sich der Nachwuchs voll auf die eigenen Eltern verlassen können. Als Elternteil bist du zum einen für die Regelung und Finanzierung des alltäglichen Lebens verantwortlich. Aber auch die Themen Sparen und Vorsorge liegen ganz in deinen Händen. Dabei sind deine Kinder meist so lange finanziell von dir abhängig, bis sie ihr eigenes Geld verdienen.
„Geld ist nicht alles, aber es hält dich garantiert in Kontakt mit deinen Kindern.“ Paul Getty (1892–1976), US-amerikanischer Öl-Milliardär
Finanzielle Risiken für Familien
Folgende Risiken sind für Familien besonders bedrohlich:
- Todesfallrisiko
- Berufsunfähigkeit
- Arbeitslosigkeit
Todesfallrisiko
Kommt es zu einem plötzlichen Todesfall, sind die Auswirkungen für Familien mit Kindern häufig relativ stark. Das deshalb, weil die Kosten von Familien vergleichsweise hoch sind. Entsprechend wichtig sind die Einkommen beider Elternteile. Immobilienraten und auch laufende Kosten können gegebenenfalls nicht mehr gezahlt werden, wenn plötzlich nur noch ein Einkommen zur Verfügung steht. Mittels einer Risikolebensversicherung kannst du dich bzw. deine Familie wirksam gegen dieses Risiko absichern – und das vergleichsweise preisgünstig.
Berufsunfähigkeit
Die Berufsunfähigkeit gehört für alle Bürger zu den statistisch größten finanziellen Risiken. Aufgrund der allgemein starken finanziellen Abhängigkeit von Kindern sind die Auswirkungen einer Berufsunfähigkeit für Familien besonders umfangreich. Die Berufsunfähigkeitsversicherung schützt, gehört allerdings auch zu den teureren Policen.
Arbeitslosigkeit
Erwerbslosigkeit ist ein Phänomen, das vor allem Familien treffen kann. Die Gründe dafür liegen nicht nur darin, dass ein Elternteil (evtl. zeitweise) zu Hause bleiben muss, um sich um den Nachwuchs zu kümmern. Auch Faktoren wie etwa örtliche Gebundenheit von Eltern erhöhen das allgemeine Risiko von Eltern, erwerbslos zu sein. Die Absicherung gegen Arbeitslosigkeit ist nicht ohne Weiteres möglich. Lediglich in bestimmten Zusammenhängen kannst du dich und deine Familie für diesen Fall absichern. Zum mit dem Abschluss einer entsprechenden Restschuldversicherung bei Aufnahme eines Kredites.
Fazit
Als Elternteil einer Familie solltest du dir bestimmter Risiken bewusst sein und dich bzw. deine Angehörigen wenn möglich dagegen absichern. Denn tatsächlich gelten gerade junge Familien mit Kindern aufgrund verschiedener Faktoren als relativ gefährdet.
Ich habe auch eine Risikolebensversicherung. Was bringt es, wenn mein Kind im Fall der Fälle ganz ohne (mein) Geld bzw. ohne das Familieneinkommen dasteht. Aber aus Kostengründen habe ich keine allzu hohe Versicherungssumme gewählt. Die liegt bei nur 100.000 Euro. Das ist glaube ich etwas wenig…
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