Generation Z is under immense pressure today: The desire for financial independence clashes with an uncertain economic climate, rising living costs, and the fear of job loss. At the same time, they are expected to be flexible, constantly learn new skills, and immediately take on responsibility – both professionally and personally. These demands create stress and insecurity, especially when an unforeseen event turns everything upside down.

Lara, 24, a recent graduate:
Lara had just started her first permanent job at an agency. She was finally on the path to financial independence – until a bicycle accident, through no fault of her own, left her unable to work. Weeks of rehabilitation, no income, rising costs – every young adult's nightmare. But Lara was lucky: Private accident insurance and daily sickness allowance insurance, which she had taken out with the help of a digital insurance coach while still a student, cushioned the financial blow. Today, Lara is back on her feet – thanks in part to the right insurance coverage, which gave her security during the most difficult time.

2. Risk Assessment & Product Recommendation

Risks for different target groups:

• Generation Z & Young Professionals : Loss of income, accidents, cyber risks, psychological stress

• Families : Loss of income due to illness, securing children's future

• Pensioners : Need for care, age-appropriate insurance

• Self-employed individuals & entrepreneurs : Business interruption, occupational disability, liability risks

Recommended insurance products:

• Disability insurance – For everyone who depends on their income

• Sickness benefit insurance – especially for young employees without long periods of continued salary payment

• Accident insurance – useful for hobby sports, cycling or physical work

• Liability insurance – A must for all age groups

• Cyber ​​insurance – For digital nomads, freelancers, influencers & gamers

• term care insurance – For long-term security in old age

Key services at a glance:

• Monthly pension payment in case of occupational disability

• Coverage of rehabilitation and therapy costs

• Support for reintegration

• 24/7 emergency hotline (available with many private plans)

• Immediate assistance in case of accidents & protection against online attacks

3. Prevention & practical tips

Tips for damage prevention:

• Regarding employment contracts: Check how long the employer will continue to pay wages

• Regular health check-ups

• Install security apps for your bicycle & mobile phone

• Regularly update digital devices

• Digital detox breaks to avoid stress

Regional contact points (example NRW):

• Consumer Advice Center NRW (Topic: Insurance & Pensions)

• Youth employment agencies (advice on education & career)

• Health insurance companies with prevention programs

Want to know which insurance policies truly protect you – without sales pressure and commission talk? Let Risk-BOT , the friendly insurance AI with a 24/7 chatbot , help you now.