With this classic form of life insurance, you provide for your retirement and can react flexibly to changing life situations at all times. Give yourself security beyond the benefits of the OASI (1st pillar) and the occupational pension fund (2nd pillar) so that you have a regular, guaranteed additional income for life.
The guaranteed pension payments are paid out from the agreed date, along with any surplus annuities.
In case of death your paid premiums are refunded where the premium refund is also insured. Guaranteed pension payments already drawn are factored into this.
The old-age income from OASI (1st pillar) and the pension fund (2nd pillar) is too little to support you during this new phase in your life. However, you do have a free amount that you have inherited or saved. The one-off payment in a Helvetia retirement pension allows you to immediately enjoy an additional pension. The agreed pension payments are guaranteed for life.
There is still a long time before you retire. Nevertheless, you already know that the pensions from OASI and the occupational pension will not be sufficient to maintain your standard of living. The gap between your current income and your forecast pension is just too great. With a deferred Helvetia retirement pension you can start building up the capital you need over the long term when you are young and thus deliberately close the income gap.
You are keen to retire early. You are going to need an additional monthly income for the period from your early retirement to when you would ordinarily retire. As soon as you get your OASI and occupational pensions you won’t require this additional pension.
With a pension for two lives you can include a partner too. You enjoy flexibility in choosing the level of the pensions, including for the period following the death of one of the two insured persons.
If you plan to live in a Eurozone country after retirement, you can finance your retirement pension in euros and receive your pension payments in euros too. This way, you can guarantee a consistent income with no currency risks.