Insurance Hub for FVB de Boer
Income Protection Insurance

It is our mission to enable you to live and work anywhere in the world. Income Protection allows you and your family to maintain your standard of living should an injury or illness mean you are unable to work. Temporary and/or Permanent coverages available.

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Temporary Total Disablement

You can receive a monthly benefit of up to 60% of your current monthly salary or USD 20,000 for up to 120 consecutive months.



Permanent Total Disablement

If you are unable to work at all, you can receive a lump sum calculated up to 5 times your annual income or USD 500,000.


Truly Global Protection

Coverage extends to over 180 countries, including your home country to prevent breaks in coverage that can leave you and your family vulnerable.


No Medical Test Needed

Skip the inconvenience of bloodwork and exams, and get the coverage you need when you need it.


Broad Coverage

Unlike most insurers, Clements covers both injury and illness, including those workplace-related. This policy is also open to all occupations, so that everyone can get the financial protection they need.


No War & Terrorism Exclusions

Have peace of mind with financial protection wherever you are, even in high-risk areas of the world.

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Key Features and Benefits

Clements offers high-limit disability insurance for professionals to cover loss of income should you become disabled either temporarily or permanently. Clements International High-Limit Temporary and Permanent Disability Insurance will keep you protected against disability costs anywhere in the world. Clements offers this coverage in high-risk locations many of our competitors exclude and there are no exclusions for war and terrorism.

  • Temporary Total Disability benefits are paid monthly for up to 120 consecutive months up to USD 20,000 per month or 60% of your current monthly salary, whichever is lower with benefit periods up to 10 years. And you can choose a waiting period of minimum 1 year to over 2 years.

  • Permanent Total Disability is a lump sum calculated up to 5 times your annual income* and provides coverage if you are unable to work at all. You’ll be paid a lump sum up to $500,000 or 5 times your annual salary, whichever is lower.

    * Limits and restrictions apply. Subject to certain country restrictions. See policy terms and conditions.
Can't thank you enough. Have contacted other insurances who are far too complicated with restrictions and "if" and "but". Won't consider anyone else in the future.

Clements' Client

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Insurance Solutions

At Clements we pride ourselves on having over 70 years experience focusing on the insurance needs of people living and working overseas. So no matter where you are in the world, let Clements provide the protection you need, helping you to focus on making the most of your time abroad.