Investing:
Fluctuating market conditions
The amount paid out to you at contract maturity will vary depending on how the market performs.
Death benefit (optional)*
In the event of the insured person’s death, the beneficiaries receive a lump-sum payout. This can afford financial security for your partners, for example, who enjoy less favorable state benefits than a spouse does. Families can avoid being plunged into financial problems by a stroke of fate, such as not being forced to move out due to mortgage payments, for example.
With unit-linked life insurance, you invest in investments. At the end of the term, the amount paid out corresponds to the performance of your investment. You use an investment profile to determine your risk tolerance and risk capacity.
A unit-linked life insurance policy pays out at the end of the policy term, at the current value of your fund investments. If the insurance is terminated prematurely, the surrender value of your fund investments will be paid out to you at the time of termination.
You participate in the performance of the economy and have higher earnings opportunities with a longer-term investment horizon. In the event of disability, Zurich pays the premiums for you so that you can still achieve your long-term savings goals.
With a 3a policy, you can deduct the premiums from your income year after year in your tax return, and thus reduce your tax burden noticeably. In return, you pay tax on the amount paid out. With a 3b solution, the payout is tax-free provided the contract period is at least 10 years.
CapitalFund is very flexible:
You can extend the term of your 3a insurance until the regular OASI age - and even up to five years beyond. Requirement: You must provide evidence of earnings from employment.