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Helvetia Lebensversicherung

Well protected with life insurance

Private pension provision can take as many different forms as your varying needs and objectives. Helvetia will help you to find the right life insurance for you.

Why is life insurance important?

Making provision for future eventualities is about shouldering responsibility – for yourself, your partner, your family or your business partner. Life insurance is a Pillar 3 option that supplements your OASI and occupational pension fund benefits. Though making private provision is voluntary, the federal and cantonal governments offer tax incentives for it. You can safeguard your loved against financial risks, top up your retirement pension income or invest your money in funds. The advantage of life insurance is that it allows you to play it safe in terms of your pension solution. Depending on your needs, Helvetia can offer you a variety of different life insurance options.

What types of life insurance are there?

Term life insurance

With a term life insurance policy you can protect yourself in case of your death or disability. You pay a regular premium but you do not accumulate any capital. The contractually guaranteed sum is only paid out if the insured risk occurs. The premiums for purely term life insurance policies are relatively low, as no capital is accumulated.

Whole life insurance

In the event of your death, the guaranteed amount will be paid out promptly to your surviving dependants. This ensures that your family or business partner will at least have no financial worries.
Your advantage
Security for your family and business partner
Whole life insurance

Disability insurance

With a disability insurance you can safeguard your personal income and remain financially independent should you lose your capacity to work.
Your advantage
Pension in the event of reduced capacity or full incapacity to work
Disability insurance

Classic endowment insurance

With an endowment insurance policy, it is your intention to save capital. You can save with regular payments or a single one-off payment – be it for your retirement or for a different savings objective. At the same time you are also covered against financial risks that may pose a threat to your livelihood. The money is paid out to you after the agreed contract term. This amount is made up of the guaranteed sum insured plus any policyholder dividends.

Guarantee plan

You choose your investment strategy and determine your ideal mix of security and return.
Your advantage
Guaranteed minimum benefit with additional opportunities for profits
Guarantee plan

Benefit plan

You invest your money securely and know, when you take out the insurance, how much you will ultimately receive.
Your advantage
No-risk pension provision with guaranteed payout
Benefit plan

Unit-linked and index-linked life insurance

With this form of life insurance you invest your money in selected funds or you participate directly in market performance via an index. Here too, you can invest regular amounts or make a one-off payment. The yield depends on the performance of the fund or the index. You can benefit from good profit opportunities when the market is buoyant. At the same time, however, you also have to take into account fluctuations in the performance of your savings. With unit-linked and index-linked life insurance policies, in most cases you don’t know exactly how much you will receive as a payout in the end. In some cases, however, minimum maturity payments may also be guaranteed. Similarly, with unit-linked and index-linked life insurance policies you are simultaneously covered against financial risks that may pose a threat to your livelihood.

Performance plan

You bank entirely on market performance and invest in attractive investment funds.
Your advantage
High earnings opportunities thanks to a return-oriented investment
Performance plan

Tip

With the Helvetia fund account you can enjoy the flexibility and, here too, take advantage of market opportunities by investing in attractive investment funds. At the same time you forgo insurance cover completely.

What is an endowment life insurance policy?

There is a fundamental difference between pure term life insurance, to cover financial risks that may pose a threat to your livelihood, and endowment life insurance. With an endowment life insurance policy you also accumulate capital, thus saving for the future at the same time. Endowment life insurance policies differ in the way capital is accumulated – either in the classic form with guaranteed interest payments or in their market-dependent version by means of investment funds or index-linking.

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