Stay in­de­pen­dent

Ad­di­tion­al pen­sion in­come gives you se­cu­ri­ty

Everyone wants guaranteed financial independence after they retire. Zurich gives you the opportunity to secure a lifelong additional income to supplement your AHV and occupational pension payments – starting immediately or on a date of your choosing.

SavingsPension: Flexi­ble in­vest­ments, long-term bene­fits

Zurich SavingsPension lets you invest as part of pillar 3 to secure an additional annuity and to benefit from tax advantages. You decide when you want to start receiving this pension.
  • You have the choice between a single premium or regular premiums
  • You choose when you start to receive annuity payments
  • You can adjust the annuity amount to suit your situation; draw your pension in up to three different annuity levels
  • Any surpluses will depend on the investment income and on developments in risk and costs: they collect in your surplus account throughout the accumulation period, and from the start of the annuity phase are used in line with the surplus system you choose
  • You have the choice between a restricted (pillar 3a) or an unrestricted (pillar 3b) pension plan; both types offer tax advantages
  • We can also choose a premium waiver option in the event of disability if you choose to pay regular premiums into a Zurich SparRente. Zurich will pay your premiums if you become disabled – potentially up until you start to draw your pension.

ImmediatePension: In­vest once, re­ceive pay­ments im­me­di­ate­ly and for the rest of your life

Zurich ImmediatePension lets you plan your own personal retirement. By paying a single premium, you can draw a guaranteed, regular additional pension immediately and for the rest of your life, securing your standard of living for you and your family.
  • Zurich pays you a guaranteed additional pension based on your single premium
  • You can adjust the annuity amount to suit your situation; draw your pension in up to three different annuity levels
  • Any surpluses depend on investment income and developments in risk and costs. You can invest these in one of three different surplus systems
  • You enjoy tax advantages because your annuity payments, including surplus participation, as only 40% of the amount is taxed as income

Retirement pension for two lives: Security for couples – as long as you both shall live

A retirement pension for two lives helps you secure a guaranteed lifelong additional income – for as long as one of the two policyholders is still alive. You decide whether to start receiving your annuity straightaway or at a later date.
  • Financial security for both insured persons, thanks to a guaranteed additional annuity – as long one of the two is still alive
  • You decide whether to start receiving a pension immediately or postpone it until a later date
  • Immediate annuity: Zurich pays you an additional guaranteed pension based on your single premium
  • Deferred annuity: You can choose between a single premium or regular premiums; your annuity payments start at the earliest after one or five years
  • Any surpluses will depend on investment income and on developments in risk and costs: they are accumulated in your surplus account throughout the accumulation period and from the start of the annuity phase are used in line with the surplus system you choose
  • You enjoy tax advantages because your annuity payments, including surplus participation, as only 40% of the amount is taxed as income

Our advisory service

Make your pension plan fit your needs. We would be pleased to advise you.

Request advice

Call 0800 060 160

from outside Switzerland +41 44 628 98 98

Find an agency