Employed
For employees, a 3-year average of their gross earned income should be used.
The main component of an employee's income is their salary. Additional sources of earned income can be allowances, bonuses, commissions, etc. They may be (partially) credited if they are regular, stable, and attributable to their occupation. How much of the total amount of these additional income sources should be calculated is based on the specifics of each case.
If a person is a major shareholder (self-employed) and managing director (an employee receiving a salary) we recommend looking at the amount of their profit share as well as salary.
Careful underwriting and special consideration (especially for IP) is advised for applicants who have multiple jobs. In general, special attention should be paid to the main occupation (i.e. the occupation for which most of the time is spent and which generates the main income).
Also, applicants with temporary employment contracts should be treated with caution. In such cases, it is advisable to pay attention to the industry they work in so as to better estimate how likely further employment will be and consider setting a limit on the insurance amount.
Financial evidence: For employees obtaining income tax returns or salary slips / pay slips is recommendable.