Breathe: your projects are in good hands
Do you have plans for your retirement? You probably want to benefit from a serene future, both for you and for your loved ones. Thanks to the Swiss pension system and the famous three pillars, secure your financial future, whether it is to anticipate your retirement income, in the event of incapacity for work or in the event of death.
The income provided at retirement by the 1st and 2nd pillar is not always sufficient to maintain one's standard of living.
It then often becomes necessary to anticipate and complete your pension with the 3rd pillar, also called pillar 3a or 3b (in particular through the subscription of life insurance).
The earliest would be best : the earlier you start saving for your 3rd pillar, the higher your retirement income will be and the less tax you will pay. But what offers are available on the market?
THE3b life insurance, also called “free pension”, can cover more long-term needs in addition to pillar 3a.
The advantage: unlike the previous pillar, your credit is not blocked and can be removed at any time. By choosing this 3rd pillar model, you do not have no maximum limit of contributions.
The downside: these contributions are not tax deductible until the withdrawal date. Indeed, this asset is considered as wealth. Moreover, annual or monthly contributions are fixed because contracted via your life insurance, even if part of the 3rd pillar.
Disability due to illness and loss of income can occur at any time in life.
The pension is then paid by the pension fund, and not by the accident insurance.
Pension funds generally offer good benefits, but this is not always sufficient to maintain one's standard of living.
Securing and insuring the future of your family with death insurance can be quite interesting, and this from just a few francs a month.
Not subject to inheritance tax, the capital insured by this policy is paid directly to the beneficiary you have chosen.
Unlike traditional savings and investments, this type of life insurance allows you toaccumulate a large sum more quickly that can immediately meet the needs of your family in the event of the unexpected.
Guaranteed minimum capital: CHF. 0
Release of premiums: 12 months
Guaranteed minimum capital: CHF. 0
Release of premiums: 12 months
Guaranteed minimum capital: CHF. 0
Guaranteed minimum capital: CHF. 0
Release of premiums: 12 months
Guaranteed minimum capital: CHF. 0
Guaranteed minimum capital: CHF. 0
Release of premiums: 12 months
Guaranteed minimum capital: CHF. 0
Guaranteed minimum capital: CHF. 0
Guaranteed minimum capital: CHF. 0
Release of premiums: 12 months
Guaranteed minimum capital: CHF. 0
Release of premiums: 12 months
Guaranteed minimum capital: CHF. 0
Guaranteed minimum capital: CHF. 0
Release of premiums: 12 months
Guaranteed minimum capital: CHF. 0
Release of premiums: 12 months
Guaranteed minimum capital: CHF. 0
Release of premiums: 12 months
Guaranteed minimum capital: CHF. 0
Release of premiums: 12 months
Guaranteed minimum capital: CHF. 0
Release of premiums: 12 months
Guaranteed minimum capital: CHF. 0
Guaranteed minimum capital: CHF. 0
Release of premiums: 12 months
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The main objective of life insurance in Switzerland is to help you maintain a constant standard of living. If a family's main source of income is lost, the standard of living of the whole household can be seriously affected. It is therefore essential for us that you can ask your questions to our business insurance advisors.
The neutrality of advice is guaranteed and your goals are our priority! For us, the client's interest comes first and we want to give you the best possible offers. This independently of the remuneration offered by our partners.
A life insurance policy can provide the necessary support for single-income families or when the children are not yet financially independent.
Also, this type of insurance can be essential if your family is exposed to large debts (eg mortgage, investment, loan, etc.). In this case, thanks to the font, you can obtain the sum useful to repay the debt, continuing to pursue family and professional projects, even in the event of serious unforeseen circumstances.
This form of protection also plays an important role in the corporate sector. In these cases, in fact, they allowensure the sustainability of the company in the absence of key people in the company (think for example of a director, or the role of a creator in advertising agencies, fashion, etc.).
All of this business life insurance also make it possible to avoid discontinuities linked to changes in the ownership structure caused by the death of one of the partners.
The capital insured by a life insurance policy in the event of death is a significant advantage, against an expense that can even be a few CHF per month. This capital is fully available when one of the events described in the policy conditions occurs (for example, death, permanent total disability, etc.)
This asset is also “protected” because it cannot be pledged or seized and is not subject to inheritance tax. In fact, saving for the future by relying solely on savings is a solution that, although easy, can take years to accumulate an amount that can solidly meet the needs of your family in the event of the unexpected. In the case of an investment, on the other hand, your capital may not be available when you need it.
The insured capital is available immediately in the event of an accident or unforeseen event.
For example, with term life insurance, you can protect yourself against a debt contracted (such as a home loan or business loan). In such cases, the amount to be insured will be equal to the amount borrowed, and the most practical choice for the insured is to opt for a decreasing lump sum, ie which decreases as the debt is repaid. Thus, in the event of the death of the insured (or the occurrence of other events covered by the policy), the family of the insured (or other beneficiaries) will be able to benefit from the capital necessary to repay the debt, thus retaining home ownership in the specific example of the mortgage loan.
The death insurance policy also serve to protect the standard of living of the family in the absence of the main income. In this case, the sum to be insured must be chosen on the basis of the net annual income of the insured, multiplied by a number of years which ideally corresponds to the time necessary for the family to become independent.
For example, if your annual income is CHF 80: CHF 80 revenue x 000 years = CHF400.
By choosing a lump sum of CHF 400, you guarantee your family the maintenance of the same standard of living as at present for 000 years. In fgeneral, good coverage can last 5-10 years, with longer periods if there are very young children in the household.
In the latter case, you must opt for a constant capital policy.
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