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How would your loved ones be protected? Death benefits insurance protects your loved ones and business partners from financial difficulties with a guaranteed lump sum payout.
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Financial security for your loved ones |
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Direct payment to beneficiaries |
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Premium stays the same during term |
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Free choice of sum insured |
To keep things manageable for those left behind.
Financial protection for business partners.
Protection for your family members
Secure lump sum death benefit
Free choice of sum insured
Direct payment to beneficiaries
Lump sum death benefit
Our death benefits insurance will protect your loved ones and business partners with a guaranteed lump sum benefit payout in the event you should die. Plus, you can choose the sum to insure and the benefit will be paid out directly to your surviving dependants.
Loans and mortgages
The lump sum death benefit can be used as collateral for loans or mortgages, because it can be used to pay off the remaining debt. If anything happens to you, your family members or business partners will enjoy financial protection thanks to the guaranteed lump sum death benefit.
Premium exemption
Pension for loss of earning capacity
Lump sum in the event of accidental death
Supplementary benefits
If you want to, you can add additional coverage to your death benefits insurance policy. This ensures that you have even more comprehensive protection for certain events. For example, you might want to insure your personal income in the event that you are no longer able to work.
Supplementary benefits at a glance
Lump-sum death benefit remains the same
Suitable for first mortgages or loans Option
Option to draw lump sum death benefit in advance
Constant sum insured
The insured sum remains unchanged throughout the term. Suitable as financial protection for loved ones or business partners. Payment will be made directly to your beneficiaries. You choose the insured sum.
When this option is perfect
Advance lump sum death benefits
With this insurance variant, you can add the option of withdrawing your death benefits early. If your life expectancy is less than twelve months – e.g. because of an incurable disease – you can withdraw your lump-sum death benefit there and then. This allows you to decide what to do with your money while you are still alive. To take advantage of this option, please contact one of our advisors.
Lump sum death benefit reduced yearly
Perfect for second mortgages
Perfect for second mortgages
Or loans you are paying off gradually
Decreasing sum insured
An insured sum that is lowered each year is a good option if your financial commitments are also reducing over time. Death benefits insurance that lowers yearly can ensure that your children’s financial needs are covered until they are financially independent.
When this option is perfect
Death benefits insurance will be of benefit to many different people and in many different circumstances. We recommend this insurance in particular to families with just one earner. It also makes sense to select this insurance if you wish to provide financial security for your business partner(s).
The good thing about our death benefits insurance is that it takes effect immediately. This means that you’ll be covered as soon as we’ve received a signed copy of your application. And, you will already be covered while we verify your application.
Yes, it does. Privileged inheritance and bankruptcy rules mean your family members will receive the entire sum insured in the event of your death, even if you are in debt. This way, you can guarantee that your beneficiaries will receive the entire insured sum. The beneficiaries may claim the insurance benefit even if the inheritance is disclaimed.
With death benefits insurance, the insurance will only pay out if the insured risk occurs. That means the lump sum death benefit will be paid out to the beneficiaries when the insured person dies. With life insurance, you are not only covering this specific risk, but will also be able to build savings. That is, once you have selected a savings profile, our experts will invest your money for you in investment funds. This means you can also benefit from the potential for attractive returns.
You can choose whether to pay your premiums into a pillar 3a or 3b pension. Your death benefits insurance is tax-deductible if you conclude death benefits protection insurance as part of a pillar 3a or 3b account. With qualified provident insurance, the premium will count as a pillar 3a payment and can be deducted from your taxable income.
Payment from death benefits insurance death benefit is tax-free in Switzerland. The death benefit is exempt from income tax.
You can pay your premiums monthly, quarterly, six-monthly or annually. You can easily and conveniently do so via direct debit, for example. Finance the premiums via an interest-bearing premium deposit account and benefit from attractive interest rates.
You can terminate your policy from the second insurance year onwards, i.e. as soon as you have paid the premium for one full year. If you cancel the contract after three insurance years, we treat this as a surrender. If you cancel the contract before the first three insurance years, your insurance shall lapse without any value.
Our expert advisors will help you to find the perfect insurance coverage in every phase of life. If you have a specific question about an insurance policy, we will answer it quickly and expertly.
If you would like a better understanding of your overall situation, we will work with you to analyse your needs and goals. We will recommend the right solutions for your insurance coverage and your financial security.
The advice is free of charge, with no strings attached. You choose the time and place.
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