Life insurance Everything you need to know

Father with child

Life insurance at a glance

Provide for the future with life insurance:

  • Build assets and be protected at the same time
  • Protect your family financially  
  • Save taxes annually

Which life insurance policy is right for you?

Life insurance policies are divided into two types: those that provide protection in unforeseeable situations and those that primarily serve retirement provision.

Risk life insurance

  • You want to make sure that your loved ones are financially secure in the event of your death.  
  • In the event of your death, we will pay the agreed sum directly to your beneficiaries.
  • You will not receive a payout at the end of the contract term. 
  • You can also insure yourself in the event that you become unable to work due to illness or accident.

Savings insurance with risk coverage

  • You want to provide for your old age and protect your family at the same time.
  • In the event of your death, your beneficiaries will receive the sum insured.
  • At the end of the contract term, you will receive the capital you have saved plus returns.
  • You can benefit from tax savings if you take out the insurance as part of pillar 3a.

What are the advantages of life insurance?


Enjoy special privileges

Enjoy special privileges under life insurance, such as in the case of inheritance.

Why life insurance is worthwhile

With life insurance, you protect yourself and your loved ones for the future.

Life insurance in the three-pillar principle

Switzerland's pension system is based on the three-pillar principle. While the first two pillars cover the basis, the third pillar can be designed flexibly – for example, through life insurance.

Protecting your standard of living

1st pillar

The 1st pillar covers the minimum necessities of life and comprises old-age and survivors' insurance (OASI), disability insurance (IV) and the income compensation scheme (EO).

Maintaining your standard of living

2nd pillar

In the 2nd pillar – occupational retirement provision – employees and employers jointly pay into a pension fund. Employers can also pay a larger contribution.

Closing pension gaps

3rd pillar

The 3rd pillar helps you to close gaps from the first two pillars. In addition to the pillar 3a account, you can also take out life insurance here to be better equipped for the future.

Advantages of life insurance over a bank solution

Life insurance policies have some advantages over pension solutions at banks.

All-round protection

You and your loved ones are protected in the most difficult times, such as disability or death.

Continued payment premiums

If your disability is permanent, we will continue to pay the premiums for you.

Reliable achievement of savings goal

You are guaranteed to reach your savings goal – even in the event of disability.

Life insurance FAQ

Here you will find more information and answers about life insurance.
FAQ Our products/life insurance products

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