The Helvetia Guarantee Plan combines secure saving with the chance of additional returns from a broad-based investment strategy.
This life insurance product combines guaranteed basic benefits with the chance of additional returns. It is suitable for customers looking for a balanced pension solution:
When you take out the life insurance, you know exactly what minimum benefit will be paid out on expiration. You can use any additional returns to increase the guaranteed minimum benefit.
This unit-linked life insurance product enables you to build up retirement capital systematically, benefit from potential additional returns and enjoy the following benefits:
With this unit-linked form of endowment insurance, a portion of the premiums is used to guarantee the benefits. You can influence the amount of the guarantee by choosing either a more conservative or a more dynamic guarantee model. That way, you know as soon as you have taken out the contract what guaranteed minimum benefit you can expect to receive on expiration.
Another portion of the premiums is invested to achieve a potentially higher return. You can choose between three different investment strategies to make use of the potential returns in the market. The gains made with this investment strategy are secured so that they can be used to enhance your guaranteed minimum benefit.
Any death benefit you conclude is guaranteed throughout the entire contract period.
Helvetia offers three different types of Guarantee Plan. You are free to select the variant and the benefits that suit your particular needs. You can choose between either tied (Pillar 3a) or flexible (Pillar 3b) pension insurance and can finance your Guarantee Plan either through regular premium payments or a single premium. No matter which of the three investment strategies you opt for, you will enjoy guaranteed benefits and have the chance of earning additional returns.