Savings insurance 3a/3b

Premium Life is interesting for you if you:

• want to save towards a specific goal with regular payments,
• want to benefit from a guaranteed minimum benefit and interesting potential returns,
• want a standardized, clever investment mechanism,
• want to save sustainably with shares, and at the same time protect your loved ones.

• With Premium life, you can achieve specific goals thanks to regular payments, for example, for home ownership or travel. If you become disabled, Zurich will pay your premium - so you can still achieve your savings goals. This represents a huge advantage over the offerings from banks. 
• Premium Life is ideal for paying off a mortgage directly or indirectly. 
• You can choose whether you want to take out Premium Life as tied retirement solution (pillar 3a) or an unrestricted pension plan (pillar 3b). This allows you can optimize or save taxes. 
• If you include a disability pension and/or a lump-sum death benefit, you can put together a complete pension package via Premium Life.

You also have the option later on of adjusting your insurance cover and, for example, including or excluding a disability pension or adjusting the benefits. However, for extended insurance coverage, you will have to fill in the health questionnaire again.

If you have been insured for at least three (pillar 3a) or five years (pillar 3b), and your contract assets are at least CHF 5,000, you can take a premium break of one to three years. This can make sense in the event of, for example, maternity leave, a stay abroad or unemployment. During this time, Zurich will cover the running costs from your contract assets. This does however reduce the guaranteed survival benefits. Your insurance coverage in the event of death or disability remains at the same amount

Premium Life is very flexible, unlike many retirement provision solutions:

• After three (pillar 3a) or five (pillar 3b) years, you can take a premium break - with full insurance coverage.
• You benefit from a coverage extension guarantee and can increase your premium at various times without a new health check: in the event of marriage, birth of a child, purchase of a home or every 3 years.
• If you become unemployed or no longer work, you can switch from pillar 3a to pillar 3b at any time - at no additional cost.
• With a 3a policy, you have the option of making an additional payment once a year. This is interesting, among other things, for self-employed people without a pension fund who only know how high their income is at the end of the year.
• Up to three months before expiration, you can extend the term of your 3a insurance until the regular OASI age - and even up to five years beyond. Requirement: You must provide evidence of earnings from employment.

The Premium Life life savings insurance offers you three crucial advantages:

• Thanks to the premium waiver in case of disability, you can achieve your savings goal whatever happens.
• You can safeguard your loved ones and yourself against misfortune - by means of a disability pension or capital in the event of death.
• The agreed annual premium for the pension insurance provides for discipline in saving, to ensure you actually achieve your goals.
• And if you wish to change something in the meantime, you can simply adapt the premium or the benefits of the insurance flexibly.