Pillar 3 Pensions


Premium Life guarantees survival benefit. You simultaneously seize on opportunities for returns and hedge your price gains.


Premium Life allows you to flexibly plan every phase of your life. Additional payments and interruptions in premium payments are possible under certain circumstances.

Risk cover

You can choose to safeguard your accustomed standard of living with a premium waiver, lump-sum death benefit or disability pension.


  • With this life insurance, you make regular payments to systematically accumulate wealth – for example, for your retirement.
  • Guaranteed capital in the event of survival
  • Attractive potential return on your investment surplus
  • High flexibility and expandability
  • Financial protection for yourself and your family in the event of death or disability
  • Tax advantages within the framework of pillar 3a or 3b
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Life insurance with a guaranteed interest rate helps you to save taxes
  • Systematic savings thanks to regular payments into pillar 3a or pillar 3b
  • Guaranteed capital in the event of survival
  • Save taxes through retirement planning within the scope of pillar 3a and pillar 3b
  • In the event of death, your family will receive the capital saved in the life insurance (in pillar 3b you have a free choice of  beneficiary/ies)
  • You can also choose to add a disability pension and/or an additional guaranteed lump-sum death benefit

Investment concept offers potential for additional returns

  • Depending on the income from capital investments and cost trends, Zurich will regularly issue surpluses on your life insurance
  • These will be invested in a certificate and in a fund with capital protection
  • This means that you profit from developments on the stock market and have large potential of additional return (based on financial market development)
Flexibility in every phase of life
  • The minimum annual premium for your life insurance is CHF 1,200
  • If your policy includes waiver of premiums, Zurich will continue to pay your premiums in the event of disability
  • You can temporarily stop paying premiums for 1 to 3 years; while your insurance coverage is not affected in any way
  • With pillar 3a, you can also make one-off additional contributions to your Premium Life contract to accelerate your wealth accumulation


Zurich Premium Life is life insurance that pays a guaranteed survival benefit and offers additional potential return thanks to its attractive investment concept. You can also give yourself and your family financial security in the event of disability or death.

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