Life insurance
Life insurance
Sudden death, illness, accident, or simply retirement planning: even a small monthly amount can financially protect your family. We show you how to build a secure foundation for your future and the people you love.
Your benefits
Disability pension
Protect your income if illness or an accident stops you from working.
Saving for retirement
Top up your pension rather than relying on AHV and your pension fund alone.
Death benefit
Financially protect your family and your home.
Child savings plan
Lay the groundwork today for your children's future.
Which type of life insurance fits you?
Pure term life insurance
Financially protects your dependants - paid out only on death and within the policy term.
Pure disability insurance
Compensates lost income and tops up state benefits if illness or an accident leaves you unable to work.
Endowment life insurance
Combines death and disability cover in a single policy.
Unit-linked life insurance
Your savings are invested, wholly or in part, in an investment fund - broadening your return potential.
Life insurance in the 3rd pillar
Pure or endowment policies can be taken out as tied pension provision (pillar 3a) or free pension provision (pillar 3b).
Who benefits from life insurance?
Keeping your standard of living in retirement
At retirement, AHV (1st pillar) and your pension fund (2nd pillar) pay out around 60% of your former salary today, while 70-80% is typically needed to maintain your standard of living. A life insurance policy can close that gap.
Using pension capital for a home
Drawing on pension fund capital for a home can significantly reduce later benefits - a financial disadvantage if the worst happens.
Unemployment or part-time work
Lost or reduced income weakens your occupational pension - a life insurance policy can offset that gap.
Amortising a mortgage
An endowment policy in pillar 3a can be used for indirect mortgage amortisation; the annual premium and mortgage interest are tax-deductible, with the savings pledged to the bank.
Self-employed without a pension fund
Without a pension fund, an endowment policy with death and disability cover is a sensible substitute.
Pillar 3a vs. pillar 3b
Pillar 3a - tied pension provision
Contributions up to the legal maximum (CHF 6,826 for employees, CHF 34,128 for the self-employed, per year) are deductible from taxable income; payouts are taxed at a reduced rate. Withdrawal is possible from 5 years before to 5 years after the ordinary AHV retirement age.
Pillar 3b - free pension provision
Contributions aren't deductible and surrender values are taxed as assets, but payouts are tax-free. You're free to choose the contribution amount and when you draw on it.
Frequently asked questions
What's the maximum I can pay into pillar 3a?
Currently CHF 6,826 per year for employees with a pension fund, or CHF 34,128 for self-employed people without one.
When can I withdraw my pillar 3a capital?
From 5 years before to 5 years after the ordinary AHV retirement age, except in legally defined special cases such as buying a home or becoming self-employed.
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