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- Single package: Capital investment and insurance coverage
- Guaranteed death benefit to protect your loved ones
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- Select the investment plan that meets your needs
- Inheritance, bankruptcy and tax privileges
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Single-premium life insurance
Our single-premium life insurance will provide you with tax-privileged pension capital so that you can enjoy your retirement just as you wish. At the same time, your loved ones enjoy financial protection thanks to a lump sum death benefit.
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Capital investment and insurance coverage |
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Guaranteed death benefit |
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Choice of investment plans |
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Optional transfer from 3a accounts |
How single-premium life insurance works
With our single-premium life insurance, you make a one-off investment of at least CHF 30,000. So, unlike a classic life insurance policy, you don’t pay a monthly premium. Our financial experts will invest your premium in first-class funds, thereby enabling you to benefit from the potential for attractive returns. At the same time, your loved ones enjoy financial protection thanks to the guaranteed death benefit.
Your benefits
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Attractive capital investment
One-off investment
Uncomplicated: pay in once for optimal returns.
- You can invest larger sums
- With just a single payment
- Securely invest your money long-term
Single-premium life insurance at a glance
Capital investment and risk cover
Savings capital
Lump sum death benefit
Coverage types in detail
In brief
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Optimal investment for your money
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In a pillar 3a or 3b account
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One-off investment
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Choice of investment plans
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Attractive potential returns
Your savings capital
You make a one-off investment of at least CHF 30,000. Our financial experts will invest this in first-class funds. The accumulated tax-privileged capital is then paid out to you at the end of the contract term. And should you be in need of funds during the term of the contract, you can withdraw either all or part of your capital in advance at any time under the terms of pillar 3b, or take out a loan.
Finding the right investment plan
You can choose from two different types of investment plan: our sustainable Tomorrow Invest plans, which primarily invest in Swiss companies with a proven commitment to creating a better world. And our cost-effective Multi Index strategy funds, which focus on high geographical diversification and cost-effective ETFs.
In brief
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Guaranteed lump sum payable at death
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Protection from the very first day
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Protection for surviving dependants
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Privileged inheritance and bankruptcy rules
Your lump sum death benefit
With this life insurance policy, you are protecting not only yourself but also your loved ones: in the event of your death, they will enjoy financial protection thanks to the guaranteed death benefit that is payable from day one of your cover.
Privileged inheritance and bankruptcy rules
You benefit from privileged inheritance and bankruptcy rules: rather than becoming part of the deceased’s estate, the death benefit is paid out directly to the beneficiaries, even if they decide to renounce their inheritance. If you have named your spouse, registered partner or children as beneficiaries, the entitlement under the insurance can neither be pledged nor can it form part of the bankruptcy estate.
Practical example
Ms. Wienke inherited a large amount of money, CHF 240,000, and decides to invest some of the money for her two children. Our single-premium life insurance policy is the ideal solution, allowing her and her children to benefit from optimal potential returns. She takes out this policy for each of her children, making a single-premium payment of CHF 80,000 for each policy. Once the policy has ended in ten years, her children receive CHF 107,000 each, thanks to a positive investment performance.
Customer opinions
Overall rating
4.3/5
Questions and answers
Single-premium life insurance is suitable for anyone above 30 years of age who wants to invest a larger sum of money. It allows you to invest your existing money securely, and save optimally for your retirement thanks to attractive potential returns.
You can take out pillar 3a or 3b life insurance. This allows you to build up savings capital and profit from tax advantages.
The age at entry and final age apply to both women and men .
Age at entry:
From 30 onwards
Final age:
Pillar 3a: 65 years old, or 70 years old if the insured person remains in employment
Pillar 3b: 75 years old
This depends on whether you’re taking out death benefits insurance as part of a pillar 3a or 3b account. If as part of pillar 3b, you can name anyone you like. This could be a cohabiting partner or even an organisation.
Under pillar 3a, the beneficiaries are limited by law. There are statutory requirements that you have to comply with. The persons are beneficiaries in the order below:
- The spouse or registered partner
- The direct descendants and the persons for whose maintenance the deceased has made a considerable contribution; or the person who had lived with the deceased in the same household in a domestic partnership without interruption for the last five years; or the person who has a responsibility to provide financial support for one or more mutual children
- The parents
- The siblings
- The other heirs
When taking out this insurance, you will be able to choose from a range of different insurance plans to match your specific investment goals and preferences.
Tomorrow Invest: Tomorrow Invest plans come in two different versions: Tomorrow Invest 50 and Tomorrow Invest 100.
Multi Index: Multi Index investment plans come with a range of options: the investment plans Multi Index 25, 50, 75 and 100, and the Opportunity investment plan.
We will be happy to help you choose the right investment plan for you.
Yes, that is possible and depends on whether you’re taking out life insurance as part of a pillar 3a or 3b account:
Pillar 3a
- Premiums can be deducted from taxable income.
- No wealth or capital gains taxes are payable during the term of the policy.
- The payment is taxable at a reduced rate.
Pillar 3b
- The premiums can be claimed as part of the deductions for insurance premiums in a tax return.
- Lump sums are tax-free.
Surrender is possible at any time. Please note that if you cancel your insurance early, you could lose money.
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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