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3a life insurance and tax benefits

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Our 3a calculator

100 CHF
589 CHF

Mutual Group

Guaranteed minimum capital: CHF. 0

Release of premiums: 12 months

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Guaranteed minimum capital: CHF. 0

Axa

Guaranteed minimum capital: CHF. 0

Release of premiums: 12 months

Credit Suisse

Guaranteed minimum capital: CHF. 0

Liechtenstein Life

Guaranteed minimum capital: CHF. 0

Release of premiums: 12 months

Popular Retreats

Guaranteed minimum capital: CHF. 0

Release of premiums: 12 months

Helvetia

Guaranteed minimum capital: CHF. 0

Release of premiums: 12 months

Pax

Guaranteed minimum capital: CHF. 0

Release of premiums: 12 months

Zurich

Guaranteed minimum capital: CHF. 0

Waldensian

Guaranteed minimum capital: CHF. 0

Release of premiums: 12 months

Furniture

Guaranteed minimum capital: CHF. 0

Release of premiums: 12 months

Allianz

Guaranteed minimum capital: CHF. 0

Release of premiums: 12 months

Swisslife

Guaranteed minimum capital: CHF. 0

Release of premiums: 12 months

Bank zweiplus ag

Guaranteed minimum capital: CHF. 0

Zugerberg Finanz AG

Guaranteed minimum capital: CHF. 0

UBS

Guaranteed minimum capital: CHF. 0

Baloise

Guaranteed minimum capital: CHF. 0

Release of premiums: 12 months

Generali

Guaranteed minimum capital: CHF. 0

Release of premiums: 12 months

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* For any contract validated with an insurance company, you will receive an amount equivalent to a monthly premium, ranging from 100.- to 588.-

INP Finanz Romandie helps you building up savings, diversifying it and to optimize your tax planning. By concluding a 3a linked pension contract, also called "3rd pillar", you benefit from a tax exemption from 20 to 30%. For example, you have concluded a 3a life insurance contract and pay 3600.- annually. Your annual taxes amount to 7.- but you will only pay 000.- in taxes because your 5800rd pillar payments are deducted! Deductible amount foresight 3a(linked) for 2023: 7056.- annual

SAVE again until 2900.- per person

New annual bonuses for 2023

Annual premiums increase for 2023, from 1 January you will be able to take out a 3rd pillar A for a deductible amount of 7056.- and to the independents  to 35'280.- but no more than 20% of your annual net profit! Do not hesitate to ask us for an offer by taking contact one of our advisers.

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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.

Why subscribe life insurance ?

To guarantee your standard of living

The main purpose of life insurance is to help you maintain a consistent 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.

To protect your family

A life insurance policy can provide the necessary support in such cases and is therefore particularly suitable for single-income families or where the children are not yet financially independent.

To repay loans

Also, life insurance may be essential if your family is exposed to large debts (eg mortgage, investment, loan, etc.). In this case, indeed, thanks to the policy, you can get the useful sum to repay the debt, continuing to pursue family and professional projects, even in the event of serious unforeseen circumstances.

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.

How to choose the amount of the capital, that is to say the sum to be insured? The choice of capital amount is closely linked to the specific need you have with a life insurance policy.

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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