Life insurance protection

Family on beach with umbrella

Protection for loved ones

People with families have special responsibilities – including financial protection in case of unexpected death. Zurich LifeRisk protects your family, partner or loved ones against financial shortfalls.
Smoke

Non-smokers

Do you enjoy good health? Then your wallet will be happy as well: we offer particularly attractive premiums for non-smokers.

2 Persons

Flexibility

Your risk coverage either remains constant or declines over time. You can insure two people or only yourself. You decide, we're flexible.

Sick

Health questions

Quick and simple: A lump-sum death benefit of up to CHF 200‘000 requires you to only answer a few questions regarding your health.

Benefits at a glance

  • Life insurance in case of death: financial security for your loved ones in the event that you die while still of working age
  • With life insurance protection, you define the amounts paid out according to your family’s needs
  • Zurich will pay your premiums in the event of disability
  • You save tax: this term life insurance is subject to tax relief as part of pillar 3a

More details

Zurich LifeRisk helps you protect your family and business partners against financial shortfalls in the event of your death while still of working age. Your family's livelihood and your children's education are secured.

At a glance

Protection for family and business partners

  • Life insurance gives your family financial security
  • Cohabiting partners: close any insurance gaps as part of pillars 1 and 2
  • Protect business partners and make sure your business can survive
  • Ensure that your mortgage is paid off even after you die

You define the death benefits

  • Term life insurance with continuing benefit payments to meet continuing financial obligations (e.g. paying off a loan)
  • Or a decreasing benefit to meet an obligation that reduces over time (e.g. amortization of a mortgage)

Attractive discounts

  • Lower risk life insurance premiums if you live healthy (e.g. not smoking)

Good to know

  • Life insurance in case of death: financial security for your relatives in the event that you die while still of working age
  • With life insurance protection, you define the amounts paid out according to your family’s needs
  • Benefit from lower premiums if you are in good health (balanced BMI; body mass index)
  • Zurich will pay your premiums in the event of disability
  • You save tax: this term life insurance is subject to tax relief as part of pillar 3a

What other customers ask

What is risk life insurance?

If the insured person dies, the beneficiaries of a risk life insurance, or term life insurance, receive a capital benefit. This can be used, for example, to cover life partners, who are less protected by the state than spouses. Families can prevent financial bottlenecks and, for example, ensure that they can stay in their own home, even after a stroke of fate.

Does Zurich offer risk life insurance?

Yes. With Zurich's "LifeRisk" term life insurance, you can freely choose the amount and duration of the risk cover and thus adapt it to your individual needs. In addition, Zurich offers a disability pension. This protects you against the financial consequences of disability and covers you if you are no longer able to work as before after an accident or illness.

Who can i name as beneficiary with a risk life insurance policy?

Within the framework of the unrestricted pension plan (pillar 3b), you can name anyone you wish to cover as a beneficiary, regardless of the legal succession. This can even be a life partner. In the case of restricted pension plan (pillar 3a), the beneficiary regulations are largely defined by law.

How can i protect my children with risk life insurance?

With risk life insurance, you can secure a lump-sum death benefit, which will be paid out if anything should happen to you. This way, you can protect your family and your children from the financial consequences of a stroke of fate and ensure, for example, that the family can remain in their accustomed surroundings.

How can i cover my spouse with term life insurance?

Whether benefits are paid from the first and/or second pillar after a death depends on various factors. Even if benefits are paid from both pillars, together they are usually noticeably lower than the previous income. With risk life insurance, you can close this gap – so that if the worst comes to the worst, you don't have to worry about money on top of the emotional pain. An individual consultation is worthwhile.

Why should i cover my life partner with a term life insurance?

If something should happen to you, your life partner has no legal claim to a share of your inheritance. Furthermore, he or she will not receive any benefits from the OASI. Even pension funds only pay benefits under certain circumstances. This makes it all the more important to take out private coverage in the form of a risk life insurance. 

How can I protect my home with a term life insurance?

If something should happen to you, your life partner has no legal claim to a share of your inheritance. Furthermore, he or she will not receive any benefits from the OASI. Even pension funds only pay benefits under certain circumstances. This makes it all the more important to take out private coverage in the form of a risk life insurance. 

How can i secure the continued existence of my company with a term life insurance?

Are you the owner or a partner of a company whose success is heavily dependent on certain individuals? It costs very little for business partners to provide for each other's security and ensure the company's continued existence if the worst comes to the worst.

What is disability insurance?

Disability insurance protects you and your family against the risk of loss of earnings if you are no longer able to work at all or only partially after an accident or due to illness. A pension is paid out, as a result of illness and/or accident, after an agreed waiting period.

Disability is deemed to exist if the insured person is temporarily or permanently no longer able to exercise his or her profession or another reasonable activity due to illness, an accident or infirmity. If the insured person becomes incapable of work during the agreed insurance term, the insurance company will pay the agreed disability pension in accordance with the contractual conditions.

How do I take term life insurance?

It is easy to take out term life insurance: First, select the amount of capital you want. You can choose between a constant and an annually decreasing  insurance coverage. Then determine the duration of the contract. Then name the beneficiaries who are to receive the sum insured in the event of your death. You can calculate the premium for your desired insurance coverage online. Our specialists will be happy to advise you on the insurance coverage that is right for you. 

Our advisory service

Optimum financial security for your family is based on an analysis of your personal situation. We would be glad to advise you.
Blue piggy bank

PENSION, INVEST AND PROTECT YOURSELF

Are you making the best of your precious assets? Our online check will give you an initial personalized overview of income protection, pension planning and wealth accumulation.

A person using a calculator.

Zurich Retirement Provisions

Secure your future while paying less taxes. The 3a pension solution from Zurich makes it possible to preserve your retirement income.

A young couple in each others arms.

No short falls given loss of income

Maintain your standard of living even after an illness or accident. Protect your income in the event that you become disabled. Zurich EmploymentRisk is just the right solution for this. 

Knowledge

Sitting man

Life insurance: this is how it works

What exactly is life insurance - and when is it worthwhile? Brief answers to the most important questions.
Happy family at the beach

5 reasons for choosing term life insurance

Death changes everything in one stroke – suddenly a father, sister or husband is gone. The emotional pain is difficult enough. Why compound it with financial worries?

With children, financial security is important. Without them too

Many people carry a lot of responsibility. For themselves and often for their nearest and dearest too. For that reason it is important to be well aware of your own financial situation at every stage in your life and to protect yourself in the right way.