Whole life insurance

• The whole life insurance is a pure risk insurance (risk of death insurance) with no savings accumulation. You finance it through regular payments and can choose whether you want it to take the form of tied pension provision (pillar 3a) or flexible pension provision (3b).
• The premiums are guaranteed and apply for the full contract term. You can benefit from particularly low premiums as a non-smoker.
• Depending on how the liabilities develop, you can choose between a sum insured that either remains the same or falls consistently.
• During the contract term you can adjust the sum insured.
• Thanks to the expansion guarantee in pillar 3b, you can increase the insured benefit with a simplified health examination.
• If you share your financial obligations with another person, then the cover can be expanded to two lives.
• In pillar 3b, you benefit from a free choice of beneficiaries as well as from privileges relating to bankruptcy and inheritance law.
• With the Helvetia Protection Plan you have the possibility of surpluses. With these, you can reduce your insurance premiums.

Death

In case of death, your beneficiaries receive the lump-sum payable on death guaranteed in the contract.

Security for your family

As a responsible person, it is important to you that your family can at least live free of financial worries in the event of your death. Your relatives are therefore able to cover fixed expenses with the capital paid out.

Farsighted planning

As a self-employed person, you want to ensure that your relatives or business partners are able to cover a mortgage or private or business loan repayments after your death.