Premium Life is interesting for you if you:
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:
The Premium Life life savings insurance offers you three crucial advantages:
Often, investors have to choose between these two goals. With Premium Life, you can have both: 95 percent of your deposited savings premiums are safe. For the remaining five percent, we offer you further attractive potential for returns, making saving for retirement provision worth your while.
95 percent of the premiums from your savings insurance are invested in the tied assets of Zurich Life Insurance Company Ltd. Zurich is subject to supervision by the Swiss Financial Market Supervisory Authority and, in the event of bankruptcy, the tied assets serve primarily to settle the claims of the insured persons. Whatever happens, this money will be paid out to you. But you needn’t worry: Zurich is financially very solid. Bankruptcy is extremely unlikely now or in the future.
The leverage certificate is a structured financial product that allows for threefold participation in the value development of the Swiss Market Index (SMI). The returns generated by the certificate are therefore three times as great as the returns on the SMI, in the case of both positive and negative returns. The issuer of the certificate is Credit Suisse AG, Zurich. The price fluctuations (volatility) of the SMI is continually monitored. In case of significant volatility, the leverage is reduced and with it the investment risk.
Of course! With a moderate annual premium you remain disciplined – so you can enjoy your life today and still save for tomorrow. After all, the premium waiver in case of disability means you can be sure that you will actually reach your savings goal with the pension insurance. And with disability protection, you as a young person benefit from particularly favorable premiums.
If you take out Premium Life as part of a pillar 3a restricted pension plan, you can offset the premiums against your income on your tax return. This means you save a considerable sum in tax, year by year. If your premium is below the maximum permissible amount for pillar 3a, you can top it up to the maximum amount at any time and thus further optimize your tax obligations.
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.
Premium Life is interesting for you if you:
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:
The Premium Life life savings insurance offers you three crucial advantages:
Often, investors have to choose between these two goals. With Premium Life, you can have both: 95 percent of your deposited savings premiums are safe. For the remaining five percent, we offer you further attractive potential for returns, making saving for retirement provision worth your while.
95 percent of the premiums from your savings insurance are invested in the tied assets of Zurich Life Insurance Company Ltd. Zurich is subject to supervision by the Swiss Financial Market Supervisory Authority and, in the event of bankruptcy, the tied assets serve primarily to settle the claims of the insured persons. Whatever happens, this money will be paid out to you. But you needn’t worry: Zurich is financially very solid. Bankruptcy is extremely unlikely now or in the future.
The leverage certificate is a structured financial product that allows for threefold participation in the value development of the Swiss Market Index (SMI). The returns generated by the certificate are therefore three times as great as the returns on the SMI, in the case of both positive and negative returns. The issuer of the certificate is Credit Suisse AG, Zurich. The price fluctuations (volatility) of the SMI is continually monitored. In case of significant volatility, the leverage is reduced and with it the investment risk.
Of course! With a moderate annual premium you remain disciplined – so you can enjoy your life today and still save for tomorrow. After all, the premium waiver in case of disability means you can be sure that you will actually reach your savings goal with the pension insurance. And with disability protection, you as a young person benefit from particularly favorable premiums.
If you take out Premium Life as part of a pillar 3a restricted pension plan, you can offset the premiums against your income on your tax return. This means you save a considerable sum in tax, year by year. If your premium is below the maximum permissible amount for pillar 3a, you can top it up to the maximum amount at any time and thus further optimize your tax obligations.
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.