Benefit Plan – classic life insurance

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:

• On expiration: You receive the contractually agreed, guaranteed sum insured.
• In case of death: If you die before your insurance contract expires, your survivors will be paid the contractually guaranteed death benefit. You also have the option of insuring an additional lump-sum death benefit.
• In the case of incapacity to work (optional): If you lose your capacity to work, we will waive your premium. As the savings process continues, you can still reach your personal savings target. If you take out the optional disability pension and lose your capacity to work, you will receive the insured pension after expiration of the agreed waiting period.

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 through regular premium payments. No matter which of the types you opt for, you will enjoy guaranteed benefits as well as profit shares.

• Benefit plan as classic life insurance: the safe way to save, fulfil dreams and hedge against risks.
• Benefit plan as a way to save for children: the safe way to save and invest money. Even if the insured adult loses their capacity to work or dies, the savings process continues until the target savings amount is reached.
• Benefit Plan as savings insurance: a secure form of retirement saving and a way to invest capital, with no extra risk cover
• Benefit plan as mortgage savings insurance: the safe way to save and pay off your mortgage flexibly without additional risk protection.
  

If your life situation or retirement needs change fundamentally, you can adjust the benefits and the premium of your Benefit Plan.