With a classic life insurance you are saving long-term for your retirement, thereby making targeted provision for the livelihoods of your dependants should anything happen to you. Whatever happens, you are guaranteed benefits.
The Helvetia Benefit Plan is a capital-forming life insurance. It combines a risk insurance with targeted capital accumulation. Upon maturity, the capital is paid out to you or if need be, it is paid out early to your beneficiaries.
For greater flexibility, choose the Helvetia benefit plan with a capital withdrawal option. This allows you to withdraw capital before the end of the contract, for example in order to pay back your mortgage early.
With the savings insurance, you are selecting the version of a life insurance without death coverage and placing the focus completely on the savings process. You finance the savings insurance with regular payments and receive the contractually agreed capital paid out upon maturity.
Upon maturity, you or your beneficiary will receive the contractually guaranteed case of endowment capital plus non-guaranteed surplus payments.
If you die before the end of contract, your beneficiaries will receive the contractually guaranteed lump-sum payable on death plus non-guaranteed surplus payments.
In the event of earning disability resulting from an accident or illness, you receive a guaranteed pension following the agreed waiting period.
The Helvetia benefit plan is ideally suited for targeted pension cover, for the protection of family, life and business partners, to cover financial obligations and for the optional income assurance in the event of earning disability.