Accidents, sickness or death can cause serious financial difficulties that could impact the affordability of your home. Find out why it makes sense to take out insurance and what types of coverage are available.

What risks should I take into account?

In the event of death or disability, your mortgage may become unaffordable. In a worst-case scenario, you could even end up losing your home.

The risk is especially high if

  • the property was partly financed with an advance withdrawal from your retirement fund.
  • the loan-to-value ratio of the property exceeds the total of your first mortgage (67% of the property value).
  • there's only one main breadwinner.

In these situations, it makes sense to take out a risk insurance policy for a specific part of the mortgage volume. UBS offers tailored insurance solutions here.

We’re happy to set up a non-binding consultation with Zurich’s experts for you.

Optimal protection for your partner and family

Thanks to our partnership with Zurich Versicherungs-Gesellschaft AG , you can insure your family at preferential rates.

  • Life insurance: in the event of death, the insured capital is paid out immediately.
  • Insurance against incapacity to work: in the event of incapacity to work, Zurich covers the premium payment for the insurance after a waiting period of 12 months. The insured capital is paid out after 12 months.

Once paid out, the insurance capital can be used, for example, to reduce the mortgage, thus lowering the interest costs.

How can I protect my dependents?

  • Take unexpected events into account
  • Ensure affordability in case of financial difficulties
  • Insurance against death or disability

We’re happy to call you back and set up an appointment for you with the experts at Zurich – for exclusive insurance offers.