With Zurich life insurance, family and business partners are financially secure. If you pass away, the insurance company pays out an agreed lump sum. This can be used to to cover ongoing expenses, repay loans, or support company succession.
Disability insurance provides you with a monthly pension if you are no longer able to work due to illness or accident. This keeps your livelihood secure and helps you continue to pay important expenses like your mortgage and family costs.
With Zurich children’s insurance, your child is financially protected if disability occurs due to illness or accident. At the same time, you save capital for your child’s future — such as for education or special wishes.
Risk insurance pays out an agreed benefit:
As part of our risk insurance solutions, we offer term life insurance, disability insurance, and Zurich Junior children's insurance.
For family members and business partners who are financially dependent on you, term life insurance can be useful. If something should happen to you, the agreed sum is paid out. This protects against financial shortfalls and helps your surviving dependents reorganize their lives. If you own a home, you can ensure your family can continue living in their home because the mortgage remains affordable.
Anyone can financially protect themselves and their families with disability insurance. Regardless of whether young or old, employed or self-employed, families or individuals. People in education, students, and parents who are not employed can also benefit, because in the event of disability, there is always a gap in the household budget. Benefits from state and occupational pensions are usually not enough to maintain your accustomed standard of living.
Zurich Junior could be interesting for parents, godparents or grandparents: In Switzerland, children are only minimally protected by the state against the long-term financial consequences of illness and accident. That makes forward-looking protection all the more important. You can supplement this with individual savings capital.
Disability insurance pays you an income if you become permanently unable to work. In the event of death, term life insurance pays an agreed sum to the surviving dependents.
Within the framework of the unrestricted pension plan (pillar 3b), you can name any person you want to protect, regardless of legal succession. This can also be a cohabiting partner. With the tied pension plan (pillar 3a), many things are set by law, so you have less flexibility.
You can choose the term of your life insurance yourself—it depends on your personal situation. Disability insurance is usually taken out until retirement age, as this is the best way to close pension gaps.
The cost depends on factors such as your age, the insured sum, and the policy term. More information and sample calculations can be found on the respective product pages:
Yes, questions about your health or a health check are usually required.
With a term life insurance, you can decide who will receive the payout in the event of death—for example, your family or a close friend or loved one. The Payment is made directly after presentation of the death certificate, without a lengthy inheritance process. You can change the beneficiaries at any time and respond flexibly to your life situation. This way, you protect your relatives or ensure the continuation of a business.
If you are unable to work by at least 25%, you will receive a pension. The amount depends on the degree of your disability. From a disability degree of 66.6%, you receive the full pension. You will receive the pension at most until your regular retirement age. However, you can choose how long the insurance should last.
Yes, this is usually possible. You can find more information on our website under Cancellation Life Insurance.
