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Helvetia Policendarlehen

Policy loans. When money gets tight.

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Unplanned events are part of life. If you need money unexpectedly, you can take out a loan against your policy. Your insurance contract remains in force, you are still insured against death and disability, and your capital remains invested, earning interest.
Interest rates on loans against life insurance policies are favourable
Your insurance contract isn't surrendered: it remains in force, i.e. you're still insured
Flexible repayment before your insurance contract expires or your annuity begins
For whom does a policy loan make sense?
Ungeplante Investitionen
For people who need to make unplanned investments
  • The loan offers you quick liquidity at low interest rates
  • Your risk protection remains in place, and asset accumulation continues
  • Your loved ones are still covered
Finanzieller Engpass
For people who need to bridge liquidity shortages
  • Loan and interest repayments can be adjusted to match your personal situation
  • The interest rate is lower than a consumer credit
  • Your insurance cover remains in force

What is the current interest rate on a policy loan?

Current loan interest rate


The interest rate is variable: it's based on current conditions on the capital market. Helvetia can adjust it in line with capital market conditions with immediate effect. No information about interest rate adjustments is issued during the year.

Each year you will receive a statement of the status of your loan and the interest rates applied, together with a payment slip. Loan interest is due on 31 December of every year.

How do I apply to Helvetia for a policy loan?
You submit a loan application, which we review
We make you an offer and specify the conditions
You sign the loan agreement and pledge your policy as collateral security
We pay out the amount of the loan
You pay interest on the loan annually during the term of the contract
If any of the loan remains outstanding when the loan contract expires, you pay it back to us or we offset it accordingly against the benefits of your insurance contract
Helvetia Vorsorgeanalyse
How big is your pension shortfall?
Start your pension analysis now and find out quickly and easily how big the gap in your pension cover is in the event of incapacity to earn.

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A personal pension analysis and insurance proposal
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