What is risk life insurance?
With risk life insurance, a predetermined sum is paid out to your surviving dependents in the event of your death. This means that your family can continue to fulfill its financial obligations.
This way, you can ensure that
- your family can stay in the home they know
- your children can complete their education
- ongoing living expenses are covered
- the continued existence of your company is ensured
You can secure a high sum insured with just a small annual premium. Choose an amount that covers the most important expenses of your dependents.
What does risk life insurance cost?
The costs depend on factors such as age, gender, sum insured and term. You can provide comprehensive cover for your family with just a small monthly contribution.
When does risk life insurance make sense?
Risk life insurance is advisable in particular if someone is financially dependent on you – such as your partner, children or business partners. It helps to avoid income gaps and thus protects your family or your company.
Five reasons for choosing Term life insurance
- Ensure your children's future
With risk life insurance, you ensure that your children are well looked after, even after a stroke of fate – from their education to everyday life. - Protection for your partner
The benefits from OASI and BVG are usually not enough to maintain the standard of living to which people are accustomed. Risk life insurance financially protects your spouse or partner. - Protect cohabiting partners
Protection is particularly important for cohabiting partners because without a marriage certificate, they have no legal claim to an inheritance or pension. You can reliably protect your cohabiting partner with risk life insurance. - Protect your home
Make sure that your family can stay in their own home: Risk life insurance helps to ensure the affordability of their mortgage or helps pay it off. - Regulate company succession
For company owners or partners, insurance is an important building block in protecting yourself so that your company does not become insolvent in the event of death.
How can you conclude a policy?
- You choose the sum insured and term:
Select the desired payout in the event of death and decide how long the cover should apply. - Determine beneficiaries:
Decide who should receive the insured sum in the event of death. - Select your risk profile:
You have the choice: Either the sum insured remains the same the whole time, or it decreases over the years. - Calculate premium:
Use our online calculator to determine your individual premium. - Individual advice:
Talk to our experts to clarify your needs and find the best solution for you.
Your advantages at a glance
- Effectively protect your partner and family
- Choose the right solution for your life situation
- Calculate your premium easily online
- Let our specialists advise you
Tip
Adjust your insurance coverage regularly to suit your life situation. A clearly formulated will helps avoid uncertainties for your surviving dependents.
Do you have any questions, or would you like advice? Our experts will be happy to support you – for a secure and carefree future.
A sensible supplement: Disability insurance
Not only a death can become a financial burden – an accident or prolonged illness often causes gaps in income as well. By the way: 9 out of 10 cases of disability are caused by illness. Zurich disability insurance protects your income if you become unable to work due to illness or an accident. It allows you to maintain your financial independence and protect what is important to you.
Good to know: Disability insurance can also be combined with risk life insurance – often at particularly attractive conditions.
Learn more & calculate premium: Zurich loss of income insurance