Whole life insurance. Play it safe for your loved ones.

Q: What are the different forms of whole life insurance?

You have a choice of two types of insurance: whole life insurance with a constant sum insured: recommended for protecting your family’s financial obligations. Your relatives can use the capital paid to cover fixed expenses, such as reducing an existing mortgage or financing a child’s education. whole life insurance with a decreasing sum insured: recommended for protecting decreasing financial obligations. These include a mortgage on your home or a company loan. As the sum insured continues to decrease, the premium is less expensive.

Provide for your family or business partner’s financial security with whole life insurance, should the worst happen.

Guaranteed benefit in the event of death

Premium waiver in the event of incapacity to work

Double payment in the event of death by accident

Affordable premium, as purely risk insurance

Financial security for your family or business

Be honest: does whole life insurance make sense for me?

Yes, if...

… you wish to provide financial security for your partner and ensure that he or she can maintain their standard of living.

… you have children and want to ensure their education can be financed in the event of your death.

… you have a mortgage and wish to ensure that your survivors can continue to live in the house.

… you have your own business or a business partner who would suffer financial hardship in the event of your death.

No, if...

… you have no financial obligations towards anyone or do not have to support any other persons.

… you do not have a mortgage or do not need to hedge any other financial obligations.

How do I provide for the future with whole life insurance in the 3rd pillar?

Whole life insurance is a pure risk insurance. Since no capital is accrued, you benefit from affordable premiums. You can decide yourself whether to take out the whole life insurance in pillar 3a or 3b.

Which type of 3rd pillar is possible for me and how do they differ?

Pillar 3a (tied pension provision)

You can deduct your contributions from your taxable income.

Each year, you can pay a maximum of CHF 6,883 into pillar 3a. The maximum amount for self-employed persons without a pension fund is CHF 34,416.

If you are not yet making use of the maximum annual amount , it makes sense to take out whole life insurance in pillar 3a.

Pillar 3b (flexible pension provision)

Taking out insurance in pillar 3b makes sense if you already make use of the maximum amount for your pension provision in pillar 3a.

However, the contributions can be deducted from your taxes as flat-rate deductions.

How large is your pension gap?

In the event of death, OASI benefits and your pension fund would cover only part of the financial requirements. You can close this gap with whole life insurance.

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Your questions. Our answers.

What benefits does whole life insurance provide?

Whole life insurance provides your family or your business partner with financial protection. The agreed sum insured is only paid out if you die. In other words, you take out a pure term life insurance and benefit from affordable premiums.

You can choose from the following additional options:

Death by accident: If you die in an accident, Helvetia will pay double the benefits.
Premium waiver in the event of incapacity for work: If you become unable to work, Helvetia will pay the premiums on your whole life insurance.

What are the different forms of whole life insurance?

You have a choice of two types of insurance:

whole life insurance with a constant sum insured: recommended for protecting your family’s financial obligations. Your relatives can use the capital paid to cover fixed expenses, such as reducing an existing mortgage or financing a child’s education.
whole life insurance with a decreasing sum insured: recommended for protecting decreasing financial obligations. These include a mortgage on your home or a company loan. As the sum insured continues to decrease, the premium is less expensive.

How can I calculate my pension gap?

You can calculate your pension gap quickly and simply online. Our pension specialists will naturally be pleased to help you with questions at any time.