Unit-linked Life Insurance 3a/3b

With unit-linked life insurance, you invest in investments with more or less or no stock options. At the end of the term, the amount paid out corresponds to the performance of your investment. No guarantee can be given regarding the future performance. You use an investment profile to determine your risk tolerance and risk capacity.

A unit-linked life insurance policy, like any other life insurance policy, pays out at the end of the policy term, at the current value of your fund investments. If the insurance is terminated prematurely, the surrender value of your fund investments will be paid out to you at the time of termination.

With unit-linked life insurance, you participate in the performance of the economy and have higher earnings opportunities with a longer-term investment horizon. In the event of disability, we pay the premiums for you so that you can still achieve your long-term savings goals. This represents a huge advantage over the offerings from banks.

Unit-linked life insurance policies are taxed in the same way as any other retirement provision solution: With a 3a policy, you can deduct the premiums from your income year after year in your tax return, and thus reduce your tax burden noticeably. In return, you pay tax on the amount paid out. With a 3b solution, the payout is tax-free provided the contract period is at least 10 years.

CapitalFund is very flexible:

• 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 expiry, 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.