The Helvetia Benefit Plan is a classic life insurance product that is particularly appropriate for security-oriented savers who want comprehensive benefit coverage:
You systematically build up pension capital and benefit from contractually guaranteed benefits. So, when you conclude the insurance, you already know how much you will receive when the contract expires.
This classic capital-forming life insurance product allows you to build up retirement capital over several years, profit from comprehensive guarantees and enjoy the following benefits:
With this classic form of capital-forming life insurance, you benefit from guaranteed interest rates. When you conclude the insurance, you know exactly how much retirement capital you will have.
You also benefit from profit sharing. As the profits allocated depend on diverse factors, they cannot be guaranteed. Profit shares are also paid out when the contract expires. Part of the annual allocation of profit sharing contributes to the performance of an index over one year. It is therefore possible that the overall profit sharing may increase even more.
Any death benefit you conclude is guaranteed throughout the entire contract period.
Helvetia offers several types of Benefit Plan. You are free to select the variant and the benefits that suit your particular needs. You can choose between either tied (Pillar 3a) or flexible (Pillar 3b) pension insurance, and can finance your Benefit Plan either through regular premium payments or a single premium. No matter which of the types you opt for, you will enjoy guaranteed benefits as well as profit shares.
If your life situation or retirement needs change fundamentally, you can adjust the benefits and the premium of your Benefit Plan.