Savings insurance 3a/3b

Everything you need


Security, sustainability and returns

With the Premium Life life insurance, 95% of your savings premiums are invested in the guaranteed assets. At the same time, you have attractive potential returns - thanks to the climate-neutral Zurich Carbon Neutral World Equity Fund.

Protect your loved ones

No one is immune to strokes of fate. Protect yourself from the financial consequences and safeguard your family while doing so.

Stay flexible

Do you already have some firm plans for the future - or do you like to stay spontaneous? Either way: Premium Life savings insurance can be adapted flexibly to suit your life.

The Premium Life savings insurance is suitable for you if...

You have big plans, for example, to buy your own home or retire early.

You want to invest your money safely, with a "sustainable" share, and with a focus on returns

You wish to protect your loved ones and yourself financially, for example, in the event of death.

Your insurance should be flexible to allow you to adapt it if your circumstances change

You want your money to be invested by professionals

You want to save on taxes within the framework of pillar 3a

Zurich has the ideal solution

Once you have made the decision to purchase Premium Life, you can just sit back and relax without any worries. The product gives you flexibility at all times: if your circumstances change, you can easily adjust the insurance policy as needed.

*Free maturity management: In the final phase of your contract your fund assets are automatically reallocated to funds with a lower asset allocation in equities to shield against price fluctuations.

**The death benefit gives your surviving dependants financial security in the event of your death. You choose the amount that's right for your needs. The chart shows an assumed death benefit of CHF 60,000. You may also choose a premium waiver in the event of disability or, alternatively, a disability pension.

Insurance benefits

  • Five per cent of your savings premiums and the surpluses from your insurance policy are invested in the Zurich Carbon Neutral World Equity Fund, a climate-neutral investment option.
  • If you wish, towards the end of the term of your life insurance, Zurich will continually shift your assets in the Zurich Carbon Neutral World Equity Fund to funds with lower equity ratio and thus a lower risk – all free of charge.
  • Round the world trip? Having a baby? Buying a home? Regardless of the direction your life takes, Premium Life insurance can adapt flexibly to you, for example, with a break from paying premiums or increased benefits.
  • As part of the restricted pension plan known as pillar 3a, you can offset the premiums from your life insurance against your income in your tax return and thus make considerable savings on tax year after year.
  • We invest your money securely: 95 percent of the savings premiums in your life insurance are invested in the guaranteed assets. The savings premium is the part of the total premium after deduction of costs and the risk premium. Your entire savings assets are secured via the tied assets of Zurich.
  • With regular payments, you can build up your savings capital. A guaranteed benefit gives you the necessary security, while a shrewd investment concept offers you additional potential for returns.

Do you have any questions?

FAQ Downloads

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