Pension Foundation Solutions

Risk insurance for company foundations for occupational retirement provision

Your pension fund has a small number of insured persons or wants to improve its level of coverage? In these cases you can insure part of your biometric risk with Zurich. You can choose between three product options: congruent and partial risk reinsurance, stop loss, and excess of loss.

  • With congruent reinsurance, you transfer 100% of the provision of regulatory benefits for your pension plan, and thus the risks of death and disability, to Zurich
  • Partial risk coverage gives you the option to transfer individual benefits only, such as the partner’s pension
  • As market leader in the stop loss segment, Zurich protects you against the extraordinary burden of claims (frequent small losses or one major loss) that exceed the agreed deductible; you can choose your own deductible
  • Peak risks (e.g. CEO disability) are covered by the excess of loss option, either combined with stop loss coverage or as a supplement to it

By the way:
Your Zurich insurance offers high loss limits: up to CHF 7m for individual losses and up to CHF 30m for total losses.

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Are you looking for professional support for your company pension fund or joint foundation? We would be glad to advise you.

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