Life insurance

Life does not always follow a straight line and some future plans are blocked by unforeseen events. We look at retirement planning holistically and so we can offer life insurance policies from our partner, Swiss Life, to supplement to our banking solutions.

Before you conclude a life insurance policy, you should carefully weigh the pros and cons. When concluding a life insurance policy, you are generally bound contractually for the longterm. A retirement account gives you greater flexibility.

If you die, this constitutes a claim event. This means that the lump-sum death benefit will be paid out to the beneficiaries. Who they are depends on the choice of pillar – 3a or 3b. Whilst legal provisions apply in the case of pillar 3a, with pillar 3b you can choose the beneficiaries yourself.

The costs depend on various factors. The type of insurance is one factor, while any additional services included is another. The insured amount is also relevant: the higher the sum, the higher the premiums. The age of the insured person and their current health are also taken into account.

Pillar 3a: the maximum contribution for 2024 for persons insured with a pension fund is CHF 7,056 – for self-employed persons without a pension fund, it is CHF 35,280.

Pillar 3b: there is no maximum limit for premiums.

If you own your own home, pension provision and financial protection for your partner and family are especially important. Unforeseen misfortunes such as an accident, incapacity to work, invalidity or death can result in serious bottlenecks – above all if one person is mainly responsible for providing the family income. The sustainability of a mortgage may not be guaranteed, meaning you would need to sell your home.

With risk insurance you can insure yourself against these risks -  that is why we are also offering you an exclusive solution from our partner, Zurich. We’ll gladly prepare a customized solution for you, so you and your family are well protected.