Risk insurance with immediate payout in the event of death

You would like to make your partner a beneficiary in the event of your death - even though you are not married. Your family should also be able to afford your home if something should happen to you. Death insurance provides your loved ones with financial security and can also give business partners peace of mind.

Death insurance in detail

Death benefit insurance is a risk insurance policy that guarantees immediate benefits to the beneficiaries in the event of death. You are free to choose who you want to benefit and whether the beneficiaries receive a fixed lump sum or an annuity. In the case of the lump sum, you can agree not only a fixed sum but also one that decreases annually - ideal, for example, for financing a decreasing mortgage debt.

Protection against financial worries in the event of disability

You have a happy family. But then you become incapacitated due to a persistent illness. Fortunately, you have taken out disability insurance. It protects your family from the loss of income and helps you to maintain your accustomed standard of living.

Disability insurance in detail

Sometimes life doesn't mean well. Becoming unable to work due to an illness or accident is a difficult fate. In most cases, the benefits provided by state and occupational pension schemes are not sufficient to maintain the previous standard of living, for example with a family and home. With disability insurance, you can close any gaps in your income. This at least protects you and your family from financial worries in this difficult situation. The insurance guarantees you a pension payout after the waiting period defined by you.

Close the pension gap and save taxes

Sometimes it's quite difficult to motivate yourself to save. Why should you start putting money aside every month for retirement now, even though retirement is still a long way off? Thinking ahead is worthwhile, because if you save fixed amounts of money regularly at an early stage, you can afford much more in old age. And even early retirement is much easier to achieve without sacrificing the standard of living to which you are accustomed.

Rising life expectancy and the current low interest rates are increasingly putting pressure on retirement provision. With the benefits from the first and second pillars, Swiss citizens do not reach the level of their earned income after retirement. As a result, they will have to accept a drop in income in old age without additional private provision.

Ensure that your existing pension provision is ideally complemented. Unlike the first and second pillars, the accumulation of pension assets within the third pillar is voluntary. Third-pillar savings are primarily used to close a possible pension gap, but also bring attractive interest rates and tax benefits.

Wealth provision 3A in detail

As a rule, the higher the salary, the greater the income gap. However, with the third pillar, personal pension provision, it is possible to close these gaps and even finance further wishes - whether travel, a new car or even costs for care.

The tied pillar 3a has even more advantages: Pension savers can fully deduct the amounts paid in from their taxable income. This pays off. In addition, increases in value are exempt from income tax, wealth tax and withholding tax. A reduced tax rate applies to lump-sum payments. You benefit from attractive tax advantages and remain flexible at the same time. You can use the capital saved in Pillar 3a, for example, to purchase a home, to pay off your mortgage or as start-up capital for your own business.