Private clients
Life insurance
Financial security for your family and well-planned private pension provision.
01 · Overview
What is it about?
Life insurance protects your family financially if something happens to you, and can also serve as private pension provision. It closes gaps left by the state pension (AHV) and your occupational pension fund.
Depending on your goal, the focus is on pure risk cover or on building up savings – often both.
02 · Benefits
What is covered?
- 01
Death benefit
An agreed lump sum for your dependants, e.g. to secure the mortgage.
- 02
Incapacity for work
A pension if you can no longer work due to illness or an accident.
- 03
Savings & pension
Building up savings regularly for retirement – traditional or fund-linked.
- 04
Premium waiver
If you become unable to work, the insurer pays your remaining premiums.
03 · Who it is for
Who is it useful for?
- Families with children or a main earner
- Homeowners with a mortgage
- Self-employed people without an occupational pension fund
Tips
Good to know
- The maximum pillar 3a deduction is set every year and depends on whether you belong to a pension fund.
- Surrendering a life insurance policy early often means a loss.
- Review the beneficiaries regularly, especially after marriage, divorce or the birth of a child.
04 · Process
How we support you
- 01
Assess your needs
We look at your situation and your existing cover.
- 02
Compare offers
We obtain suitable quotes and explain the differences to you.
- 03
Take out & support
We handle the paperwork and are there for you when you need to make a claim.