With the unit-linked life insurance Helvetia Guarantee Plan (3a or 3b) you are building on the foundation of a reliable occupational benefit scheme with guaranteed benefits during the entire contract term. Furthermore, you will benefit from attractive market opportunities that can additionally increase your guaranteed benefits and thus optimise the overall return of your pension solution.
The Helvetia Guarantee Plan is based on a modular investment concept – with a transparent separation between guarantee and chance. You can choose how you would like to weight guarantee and chance on additional income and whether the guarantee portion should be invested as a fixed-interest investment in term deposit investments at our cooperation partner Raiffeisen Switzerland Cooperative or in collateral-secured instruments from Leonteq Securities AG.
With a unit-linked savings insurance, you are selecting the version without a death benefit. You are placing the focus completely on the savings process and targeting a higher guaranteed capital and a higher overall return.
Upon maturity, meaning in the case of endowment, you will receive the value of the credit share paid out to you. The amount is at least equal to the capital guaranteed by Raiffeisen Switzerland Cooperative or Leonteq Securities AG.
If you die before the end of contract, your beneficiaries will receive the value of the credit share, at the least, however, the lump sum death benefit stated in the policy.
Optional supplementary insurances: If, as a consequence of illness or accident, you become unable to work
The Helvetia guarantee plan is suitable for all customers who desire a capital guarantee and nonetheless, would like have a share in the development of the financial markets.
The benefits to you: