Whole life insurance – protection for your family

When is whole life insurance appropriate?

The Helvetia protection plan is suitable for people who want a cost-effective way to safeguard their family and business partners against financial loss. With term life insurance, you do not save any capital: The sum insured is only paid out in the event of death. The insurance is suitable for:

Security for your family or partner if you should die
Covering financial obligations if you should die
Reciprocal security for business partners

A brief guide to whole life insurance

What is insured?

This term life insurance provides security for your surviving dependants or business partners.

In the event of death: Helvetia will pay out the sum insured if you should die during the term of the insurance. The agreed benefits will be paid out to the beneficiaries. These are usually the surviving relatives or business partners.
In the event of accidental death (optional): Should you die suddenly as a result of an accident, Helvetia will pay out double the agreed capital under the Standard Terms of Insurance.
In the case of incapacity to work (optional): If you lose your capacity to work, we will waive your premium.

How does whole life insurance work?

What types of whole life insurance are there?

You have a choice of two versions: one solution with a constant sum insured and one with a decreasing sum insured.

Protection plan with constant sum insured: secure 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.
Protection plan with decreasing sum insured: secure decreasing financial obligations, such as a mortgage on your home or a company loan. In both cases, the obligation reduces with every repayment. As the sum insured decreases over time, the contribution is lower.

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