{"id":73,"date":"2016-11-30T11:57:06","date_gmt":"2016-11-30T11:57:06","guid":{"rendered":"https:\/\/www.wertraum.com\/schmidt\/?page_id=73"},"modified":"2019-03-25T19:03:53","modified_gmt":"2019-03-25T19:03:53","slug":"absicherung","status":"publish","type":"page","link":"https:\/\/www.wertraum.com\/schmidt\/absicherung\/","title":{"rendered":"Absicherung"},"content":{"rendered":"<p>[et_pb_section admin_label=&#8220;section&#8220; background_image=&#8220;https:\/\/www.wertraum.com\/schmidt\/wp-content\/uploads\/2017\/11\/iStock-515605078_h.jpg&#8220; transparent_background=&#8220;off&#8220; allow_player_pause=&#8220;off&#8220; inner_shadow=&#8220;off&#8220; parallax=&#8220;off&#8220; parallax_method=&#8220;on&#8220; custom_padding=&#8220;54px|0px|312px|0px&#8220; padding_mobile=&#8220;off&#8220; make_fullwidth=&#8220;off&#8220; use_custom_width=&#8220;off&#8220; width_unit=&#8220;off&#8220; custom_width_px=&#8220;1080px&#8220; custom_width_percent=&#8220;80%&#8220; make_equal=&#8220;off&#8220; use_custom_gutter=&#8220;off&#8220; fullwidth=&#8220;off&#8220; specialty=&#8220;off&#8220; disabled=&#8220;off&#8220;][et_pb_row admin_label=&#8220;row&#8220; make_fullwidth=&#8220;off&#8220; use_custom_width=&#8220;off&#8220; width_unit=&#8220;off&#8220; custom_width_px=&#8220;1080px&#8220; custom_width_percent=&#8220;80%&#8220; use_custom_gutter=&#8220;off&#8220; gutter_width=&#8220;3&#8243; padding_mobile=&#8220;off&#8220; allow_player_pause=&#8220;off&#8220; parallax=&#8220;off&#8220; parallax_method=&#8220;on&#8220; make_equal=&#8220;off&#8220; column_padding_mobile=&#8220;on&#8220; parallax_1=&#8220;off&#8220; parallax_method_1=&#8220;on&#8220; parallax_2=&#8220;off&#8220; parallax_method_2=&#8220;on&#8220; parallax_3=&#8220;off&#8220; parallax_method_3=&#8220;on&#8220; parallax_4=&#8220;off&#8220; parallax_method_4=&#8220;on&#8220; disabled=&#8220;off&#8220;][et_pb_column type=&#8220;4_4&#8243;][et_pb_image admin_label=&#8220;Bild&#8220; show_in_lightbox=&#8220;off&#8220; url_new_window=&#8220;off&#8220; use_overlay=&#8220;off&#8220; sticky=&#8220;off&#8220; align=&#8220;left&#8220; force_fullwidth=&#8220;off&#8220; always_center_on_mobile=&#8220;on&#8220; use_border_color=&#8220;off&#8220; border_color=&#8220;#ffffff&#8220; border_width=&#8220;1px&#8220; border_style=&#8220;solid&#8220; disabled=&#8220;off&#8220;]<br \/>\n[\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section admin_label=&#8220;section&#8220; transparent_background=&#8220;off&#8220; allow_player_pause=&#8220;off&#8220; inner_shadow=&#8220;off&#8220; parallax=&#8220;off&#8220; parallax_method=&#8220;on&#8220; custom_padding=&#8220;54px|0px|54px|0px&#8220; padding_mobile=&#8220;off&#8220; make_fullwidth=&#8220;off&#8220; use_custom_width=&#8220;off&#8220; width_unit=&#8220;off&#8220; custom_width_px=&#8220;1080px&#8220; custom_width_percent=&#8220;80%&#8220; make_equal=&#8220;off&#8220; use_custom_gutter=&#8220;off&#8220; fullwidth=&#8220;off&#8220; specialty=&#8220;off&#8220; disabled=&#8220;off&#8220;][et_pb_row admin_label=&#8220;row&#8220; make_fullwidth=&#8220;off&#8220; use_custom_width=&#8220;off&#8220; width_unit=&#8220;off&#8220; custom_width_px=&#8220;1080px&#8220; custom_width_percent=&#8220;80%&#8220; use_custom_gutter=&#8220;off&#8220; gutter_width=&#8220;3&#8243; custom_padding=&#8220;0px|0px|0px|0px&#8220; padding_mobile=&#8220;off&#8220; allow_player_pause=&#8220;off&#8220; parallax=&#8220;off&#8220; parallax_method=&#8220;on&#8220; make_equal=&#8220;off&#8220; column_padding_mobile=&#8220;on&#8220; parallax_1=&#8220;off&#8220; parallax_method_1=&#8220;on&#8220; parallax_2=&#8220;off&#8220; parallax_method_2=&#8220;on&#8220; parallax_3=&#8220;off&#8220; parallax_method_3=&#8220;on&#8220; parallax_4=&#8220;off&#8220; parallax_method_4=&#8220;on&#8220; disabled=&#8220;off&#8220;][et_pb_column type=&#8220;4_4&#8243;][et_pb_text admin_label=&#8220;Text&#8220; background_layout=&#8220;light&#8220; text_orientation=&#8220;left&#8220; use_border_color=&#8220;off&#8220; border_style=&#8220;solid&#8220; disabled=&#8220;off&#8220;]<\/p>\n<h2 style=\"background-color: #ffffff; font-size: 22px;\"><span style=\"font-size: 22px; color: #2f508f;\">Absicherung<\/span><\/h2>\n<p>Das Leben ist nicht bis ins letzte Detail planbar. Und schon gar nicht vorhersehbar. Angefangen beim kleinen Missgeschick \u00fcber Krankheit und Unfall bis zum unerwarteten Tod \u2013 Wunsch und Wirklichkeit liegen oft weit auseinander. W\u00e4hrend kleine Sch\u00e4den meist nur \u00e4rgerlich sind, so ist der Verlust eines lieben Menschen \u00e4u\u00dferst tragisch. Aber gerade f\u00fcr diesen Fall ist es wichtig, dass rechtzeitig vorgesorgt wurde.<\/p>\n<p>Auch der Eintritt einer Berufsunf\u00e4higkeit f\u00fchrt meist zu gro\u00dfen finanziellen Engp\u00e4ssen.<\/p>\n<p>Manches im Leben ist nicht zu ersetzen. Dennoch w\u00e4re es fahrl\u00e4ssig, die finanziellen Folgen bestimmter Ereignisse nicht im Vorfeld zu bedenken.<br \/>\nInformieren Sie sich hier:<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8220;row&#8220; make_fullwidth=&#8220;off&#8220; use_custom_width=&#8220;off&#8220; width_unit=&#8220;off&#8220; custom_width_px=&#8220;1080px&#8220; custom_width_percent=&#8220;80%&#8220; use_custom_gutter=&#8220;off&#8220; gutter_width=&#8220;3&#8243; custom_padding=&#8220;40px|0px|0px|0px&#8220; padding_mobile=&#8220;off&#8220; allow_player_pause=&#8220;off&#8220; parallax=&#8220;off&#8220; parallax_method=&#8220;on&#8220; make_equal=&#8220;off&#8220; column_padding_mobile=&#8220;on&#8220; parallax_1=&#8220;off&#8220; parallax_method_1=&#8220;on&#8220; parallax_2=&#8220;off&#8220; parallax_method_2=&#8220;on&#8220; parallax_3=&#8220;off&#8220; parallax_method_3=&#8220;on&#8220; parallax_4=&#8220;off&#8220; parallax_method_4=&#8220;on&#8220; disabled=&#8220;off&#8220;][et_pb_column type=&#8220;1_2&#8243;][et_pb_image admin_label=&#8220;Bild&#8220; src=&#8220;https:\/\/www.wertraum.com\/schmidt\/wp-content\/uploads\/2017\/11\/iStock-500107532_v2.jpg&#8220; show_in_lightbox=&#8220;off&#8220; url=&#8220;\/schmidt\/absicherung\/berufsunfaehigkeit&#8220; url_new_window=&#8220;off&#8220; use_overlay=&#8220;off&#8220; animation=&#8220;off&#8220; sticky=&#8220;off&#8220; align=&#8220;left&#8220; force_fullwidth=&#8220;off&#8220; always_center_on_mobile=&#8220;on&#8220; use_border_color=&#8220;off&#8220; border_color=&#8220;#ffffff&#8220; border_width=&#8220;1px&#8220; border_style=&#8220;solid&#8220; disabled=&#8220;off&#8220;]<br \/>\n[\/et_pb_image][et_pb_text admin_label=&#8220;Text&#8220; background_layout=&#8220;dark&#8220; text_orientation=&#8220;left&#8220; text_text_color=&#8220;#ffffff&#8220; background_color=&#8220;#2f508f&#8220; use_border_color=&#8220;off&#8220; border_style=&#8220;solid&#8220; custom_margin=&#8220;-30px|0px||&#8220; custom_padding=&#8220;25px|25px|25px|25px&#8220; disabled=&#8220;off&#8220;]<\/p>\n<h3><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"berufsunfaehigkeit\">Absicherung der Arbeitskraft<\/a><\/span><\/h3>\n<p><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"berufsunfaehigkeit\">Was ist, wenn die Krankheit l\u00e4nger dauert? Oder der Beruf nicht mehr dauerhaft ausge\u00fcbt werden kann? Wir erkl\u00e4ren Ihnen welche L\u00fccken entstehen und wie diese geschlossen werden k\u00f6nnen.<\/a><\/span><\/p>\n<p>[\/et_pb_text][et_pb_image admin_label=&#8220;Bild&#8220; src=&#8220;https:\/\/www.wertraum.com\/schmidt\/wp-content\/uploads\/2017\/11\/iStock-487659578_v2.jpg&#8220; show_in_lightbox=&#8220;off&#8220; url=&#8220;\/schmidt\/absicherung\/krankenversicherung&#8220; url_new_window=&#8220;off&#8220; use_overlay=&#8220;off&#8220; animation=&#8220;off&#8220; sticky=&#8220;off&#8220; align=&#8220;left&#8220; force_fullwidth=&#8220;off&#8220; always_center_on_mobile=&#8220;on&#8220; use_border_color=&#8220;off&#8220; border_color=&#8220;#ffffff&#8220; border_width=&#8220;1px&#8220; border_style=&#8220;solid&#8220; custom_margin=&#8220;60px|||&#8220; disabled=&#8220;off&#8220;]<br \/>\n[\/et_pb_image][et_pb_text admin_label=&#8220;Text&#8220; background_layout=&#8220;light&#8220; text_orientation=&#8220;left&#8220; text_text_color=&#8220;#ffffff&#8220; background_color=&#8220;#a7ba30&#8243; use_border_color=&#8220;off&#8220; border_style=&#8220;solid&#8220; custom_margin=&#8220;-30px|||&#8220; custom_padding=&#8220;25px|25px|25px|25px&#8220; disabled=&#8220;off&#8220;]<\/p>\n<h3><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"krankenversicherung\">Krankenversicherung<\/a><\/span><\/h3>\n<p><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"krankenversicherung\">Gesetzlich oder Privat? Welche Absicherung wird ben\u00f6tigt? Wir helfen Ihnen bei diesen Fragen und suchen mit Ihnen gemeinsam die beste L\u00f6sung.<\/a><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8220;1_2&#8243;][et_pb_image admin_label=&#8220;Bild&#8220; src=&#8220;https:\/\/www.wertraum.com\/schmidt\/wp-content\/uploads\/2017\/11\/iStock-603873140_v2.jpg&#8220; show_in_lightbox=&#8220;off&#8220; url=&#8220;\/schmidt\/absicherung\/ruhestandsplanung&#8220; url_new_window=&#8220;off&#8220; use_overlay=&#8220;off&#8220; animation=&#8220;off&#8220; sticky=&#8220;off&#8220; align=&#8220;left&#8220; force_fullwidth=&#8220;off&#8220; always_center_on_mobile=&#8220;on&#8220; use_border_color=&#8220;off&#8220; border_color=&#8220;#ffffff&#8220; border_width=&#8220;1px&#8220; border_style=&#8220;solid&#8220; disabled=&#8220;off&#8220;]<br \/>\n[\/et_pb_image][et_pb_text admin_label=&#8220;Text&#8220; background_layout=&#8220;light&#8220; text_orientation=&#8220;left&#8220; text_text_color=&#8220;#ffffff&#8220; background_color=&#8220;#738fc4&#8243; use_border_color=&#8220;off&#8220; border_style=&#8220;solid&#8220; custom_margin=&#8220;-30px|||&#8220; custom_padding=&#8220;25px|25px|25px|25px&#8220; disabled=&#8220;off&#8220;]<\/p>\n<h3><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"ruhestandsplanung\">Ruhestandsplanung<\/a><\/span><\/h3>\n<p><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"ruhestandsplanung\">Wann ist der individuell beste Zeitpunkt, in Rente zu gehen? Wie sieht die k\u00fcnftige Versorgung netto aus? Welche M\u00f6glichkeiten gibt es, diese Lebensphase finanziell vorzubereiten?<\/a><\/span><\/p>\n<p>[\/et_pb_text][et_pb_image admin_label=&#8220;Bild&#8220; src=&#8220;https:\/\/www.wertraum.com\/schmidt\/wp-content\/uploads\/2017\/11\/iStock-625279960_v2.jpg&#8220; show_in_lightbox=&#8220;off&#8220; url=&#8220;\/schmidt\/absicherung\/private-vermoegenssicherung\/&#8220; url_new_window=&#8220;off&#8220; use_overlay=&#8220;off&#8220; animation=&#8220;off&#8220; sticky=&#8220;off&#8220; align=&#8220;left&#8220; force_fullwidth=&#8220;off&#8220; always_center_on_mobile=&#8220;on&#8220; use_border_color=&#8220;off&#8220; border_color=&#8220;#ffffff&#8220; border_width=&#8220;1px&#8220; border_style=&#8220;solid&#8220; custom_margin=&#8220;60px|||&#8220; disabled=&#8220;off&#8220;]<br \/>\n[\/et_pb_image][et_pb_text admin_label=&#8220;Text&#8220; background_layout=&#8220;light&#8220; text_orientation=&#8220;left&#8220; text_text_color=&#8220;#ffffff&#8220; background_color=&#8220;#698824&#8243; use_border_color=&#8220;off&#8220; border_style=&#8220;solid&#8220; custom_margin=&#8220;-30px|||&#8220; custom_padding=&#8220;25px|25px|25px|25px&#8220; disabled=&#8220;off&#8220;]<\/p>\n<h3><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"private-vermoegenssicherung\/\">Private Verm\u00f6genssicherung<\/a><\/span><\/h3>\n<p><span style=\"color: #ffffff;\"><a style=\"color: #ffffff;\" href=\"private-vermoegenssicherung\/\">Es gibt viele Versicherungen. Aber welche brauchen Sie wirklich? Und wo finden Sie die besten Bedingungen? Als Makler verf\u00fcgen wir \u00fcber spezielle Deckungskonzepte.<\/a><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section admin_label=&#8220;section&#8220; global_module=&#8220;210&#8243; transparent_background=&#8220;off&#8220; background_color=&#8220;#f2f2f2&#8243; allow_player_pause=&#8220;off&#8220; inner_shadow=&#8220;off&#8220; parallax=&#8220;off&#8220; parallax_method=&#8220;on&#8220; custom_padding=&#8220;0px|0px|0px|0px&#8220; padding_mobile=&#8220;off&#8220; make_fullwidth=&#8220;off&#8220; use_custom_width=&#8220;off&#8220; width_unit=&#8220;off&#8220; custom_width_px=&#8220;1080px&#8220; custom_width_percent=&#8220;80%&#8220; make_equal=&#8220;off&#8220; use_custom_gutter=&#8220;off&#8220; fullwidth=&#8220;off&#8220; specialty=&#8220;off&#8220; disabled=&#8220;off&#8220;][et_pb_row global_parent=&#8220;210&#8243; admin_label=&#8220;row&#8220; make_fullwidth=&#8220;off&#8220; use_custom_width=&#8220;off&#8220; width_unit=&#8220;off&#8220; custom_width_px=&#8220;1080px&#8220; custom_width_percent=&#8220;80%&#8220; use_custom_gutter=&#8220;off&#8220; gutter_width=&#8220;3&#8243; custom_padding=&#8220;30px|0px|30px|0px&#8220; padding_mobile=&#8220;off&#8220; allow_player_pause=&#8220;off&#8220; parallax=&#8220;off&#8220; parallax_method=&#8220;on&#8220; make_equal=&#8220;off&#8220; column_padding_mobile=&#8220;on&#8220; parallax_1=&#8220;off&#8220; parallax_method_1=&#8220;on&#8220; parallax_2=&#8220;off&#8220; parallax_method_2=&#8220;on&#8220; parallax_3=&#8220;off&#8220; parallax_method_3=&#8220;on&#8220; parallax_4=&#8220;off&#8220; parallax_method_4=&#8220;on&#8220; disabled=&#8220;off&#8220;][et_pb_column type=&#8220;1_2&#8243;][et_pb_text global_parent=&#8220;210&#8243; admin_label=&#8220;Text&#8220; background_layout=&#8220;light&#8220; text_orientation=&#8220;left&#8220; use_border_color=&#8220;off&#8220; border_style=&#8220;solid&#8220; disabled=&#8220;off&#8220;]<\/p>\n<p>\u00a9 Ralf Schmidt wertraum GmbH | Design von <a href=\"https:\/\/alena-schmidt.de\" target=\"_blank\" rel=\"noopener\">Alena Schmidt<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8220;1_2&#8243;][et_pb_text global_parent=&#8220;210&#8243; admin_label=&#8220;Text&#8220; background_layout=&#8220;light&#8220; text_orientation=&#8220;left&#8220; use_border_color=&#8220;off&#8220; border_style=&#8220;solid&#8220; disabled=&#8220;off&#8220;]<\/p>\n<p style=\"text-align: right;\"><a href=\"https:\/\/www.wertraum.com\/schmidt\/datenschutz\/\"><strong style=\"background-color: #f2f2f2; font-size: 14px; text-align: right;\">Datenschutzerkl\u00e4rung\u00a0<\/strong><\/a><span style=\"font-size: 14px; text-align: right; background-color: #f2f2f2;\">|\u00a0<\/span><a style=\"background-color: #f2f2f2; font-size: 14px; text-align: right;\" href=\"https:\/\/www.wertraum.com\/schmidt\/impressum\/\"><strong style=\"font-size: 14px;\">Impressum<\/strong><\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[et_pb_section admin_label=&#8220;section&#8220; background_image=&#8220;https:\/\/www.wertraum.com\/schmidt\/wp-content\/uploads\/2017\/11\/iStock-515605078_h.jpg&#8220; 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Unabh\u00e4ngige Finanz- und Versicherungsberatung | Ralf Schmidt wertraum GmbH<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wertraum.com\/schmidt\/absicherung\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Absicherung &bull; Unabh\u00e4ngige Finanz- und Versicherungsberatung | Ralf Schmidt wertraum GmbH\" \/>\n<meta property=\"og:description\" content=\"[et_pb_section admin_label=&#8220;section&#8220; background_image=&#8220;https:\/\/www.wertraum.com\/schmidt\/wp-content\/uploads\/2017\/11\/iStock-515605078_h.jpg&#8220; transparent_background=&#8220;off&#8220; allow_player_pause=&#8220;off&#8220; inner_shadow=&#8220;off&#8220; parallax=&#8220;off&#8220; parallax_method=&#8220;on&#8220; custom_padding=&#8220;54px|0px|312px|0px&#8220; padding_mobile=&#8220;off&#8220; 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