Insuring risks:
Risk life insurances
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.
Your family's livelihood and your children's education are secured.
More details
FAQ
Downloads
Protection for family and business partners
- Risk 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)
- With the "LifeRisk" solution, you also have the option of a decreasing benefit to cover an obligation that is becoming smaller (e.g. the amortization of a mortgage)
Attractive discounts
- Lower risk life insurance premiums for non-smokers. A person is considered to be a non-smoker if he/she smoked no cigartettes in the previous twelve months and if he/she consumes or uses a maximum of two cigars, pipes or other products containing nicotine per week. E-cigarettes are considered, in the context of these conditions, as are other products containing nicotine.
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. Our online product "LifeProtect direct" is a pure term life insurance solution that is easy to take out online, and which can be renewed annually.
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. An individual consultation is worthwhile.
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.
