Performance plan – unit-linked life insurance

This unit-linked life insurance product allows you to build up capital depending on the returns earned by the investment funds and also provides the following benefits:

• On expiration: The current value of the fund units is paid out to you.
• In case of death: If you die before your insurance contract expires, your survivors will be paid the current value of your units, but at least the contractually agreed death benefit.
• In the case of incapacity to work (optional): If you lose your capacity to work, we will waive your premium and the savings process will continue. If necessary, you can secure your income with an additional disability pension.

With unit-linked life insurance, you invest in a variety of funds. The benefit payable on expiration of the Performance Plan is not guaranteed and depends entirely on the performance of the selected funds. On the other hand, the Performance Plan allows you to make targeted use of the potential returns in various markets.

A personalized investor profile makes it easier for you to select the funds that are right for you. You can choose between top-notch Helvetia funds as well as attractive offerings of other providers.

Depending on your retirement needs, you can choose between two different types of Performance Plan. You can select either tied (Pillar 3a) or flexible (Pillar 3b) pension insurance. Both these unit-linked options can be financed either through regular premium payments or a single premium. Both variants offer you a range of attractive investment funds.

• Performance Plan with lump-sum death benefit: save in a return-oriented manner, invest money and simultaneously cover risks.
• Performance Plan as savings insurance: a return-oriented form of retirement saving and a way to invest capital, with no extra risk cover.
  

Should you experience a liquidity bottleneck during the term of the contract, you have the option of interrupting your premium payments. And if your life situation or retirement needs change fundamentally, you can adjust the benefits and the premium of your Performance Plan.

• Performance plan as savings insurance for children: return-oriented saving for children.

Enable your child, godchild or grandchild to build up a nest egg, for example until they reach legal majority, for their studies or simply as a present. From CHF 100 a month you save the capital with individually selected investment funds from the current range. In the event of incapacity for work, Helvetia will pay the premiums for you so that the savings process can be continued to the end as planned.