The «mixed life insurances» incorporate not only benefits in case of death but also a capital accumulation element, which is paid out on expiration of the insurance. This form of life insurance is therefore equally suitable both for protection against financial risks and for saving. This is of particular interest to families, for example, and is ideally suited to comprehensive pension solutions.
Depending on your personal risk appetite and planned contract term, various products are available ranging from security-oriented to profit-oriented.
The classic life insurance combines a risk insurance with targeted capital accumulation. This way you save long-term for your retirement, thereby making targeted provision for the livelihoods of your dependants. You can contribute to either the tied pension provision (pillar 3a) or the flexible pension provision (pillar 3b) with regular payments or with an individual and collective method. You benefit from guaranteed interest and know precisely even when you conclude the policy how much capital will be paid out to you on expiration.
More about the Helvetia Benefit Plan
Build on the guaranteed benefits on expiration and in case of death and actively optimize the overall returns on your unit-linked life insurance. Thanks to attractive market opportunities, you can increase the guaranteed benefits additionally. You contribute to either the tied pension provision (pillar 3a) or the flexible pension provision (pillar 3b) with regular payments or with an individual and collective method.
More on the Helvetia Guarantee Plan
Do you tend to be willing to take risks and do you want to benefit from attractive yield opportunities? With a fund-tied insurance policy, you can individually protect your financial obligations thanks to a guaranteed lump-sum payable on death. Tailored to your personal budget and your pension planning, you can also invest one single time or regularly in one or more carefully selected funds.
More about the Helvetia Performance Plan