If an insured person dies, death benefit insurance pays a predetermined sum to their family. This makes sure relatives have financial security.

It is worth taking out death benefits insurance if you want to protect your family financially. It helps to cover debts or ongoing costs.

You can find more information in the interview on death benefits insurance with our pensions expert.

Death benefits insurance only pays out in the event of the death of the insured person. Life insurance often offers additional savings and pension options.

The premium depends on the person’s age and state of health as well as the insured sum and fixed term of the policy.

Income protection insurance pays you a monthly pension if your income is lost in whole or in part due to illness or accident.

It protects against loss of income and ensures that you remain financially secure if you are unable to work. The AHV or IV pension often only covers part of your previous salary, so income protection insurance helps to close the gap and ensure you can continue to maintain your usual standard of living.

In our article, we explain how well protected you’ll be in the event of loss of earning capacity or disability. 

The costs depend on the person’s age, occupation and state of health as well as the sum insured (amount of the desired pension) and the selected term. A higher health risk usually increases the premium.