GET A QUOTE 
Look to the future without worries
Life is full of surprises. To protect yourself and your family against all eventualities, life insurance is essential. It offers financial protection in the event of disability or death and secures your standard of living in old age.
YOUR PENSION AT A GLANCE
The 3-pillar system in Switzerland
01
State Provision
- The first pillar is compulsory and ensures the minimum subsistence level. It includes old-age and survivors insurance (AHV), disability insurance (IV) and unemployment insurance (ALV).
02
Occupational pension provision
- The second pillar, financed by employees and employers, aims to maintain the usual standard of living in old age. It includes benefits such as the occupational pension fund (BVG) and accident insurance (UVG).
03
Private provision
- The 3rd pillar offers individual savings options with tax advantages. It is divided into pillar 3a for tied pension provision and pillar 3b for flexible pension measures.
INDIVIDUAL PROTECTION
Choose the right column
Choose Pillar 3a if you want to take advantage of tax benefits and make provisions for your old age. Pillar 3b, on the other hand, offers you the flexibility to save without a fixed commitment and to have access to your capital at any time. Advantages of life insurance:
Pension provision
Expand your financial safety net for retirement through additional savings measures.
Tax advantages
Benefit from annual tax savings through contributions to your life insurance.
Security
Make sure your family is financially secure in the event of your death.
F A Q
Frequently Asked Questions
These are some of the most frequently asked questions from our customers
Life insurance is particularly useful for people with families, single parents, homeowners, cohabiting couples and the self-employed. It offers financial protection and security for survivors in the event of death and can be a useful addition to the benefits of the first and second pillars, especially if these are not sufficient to maintain the standard of living or to ensure family support.
Yes, there are certain conditions under which you can withdraw your life insurance early, for example if you purchase your own home, start self-employment, emigrate from Switzerland or buy into your pension fund.
Many life insurance companies in Switzerland offer the payment of a guaranteed monthly pension in the event of incapacity to work due to illness or accident. There are also regulations that cover the payment of premiums should you become unable to work.
CONTACT FORM
make contact
We are at your disposal for all matters. Contact us now:
Headquarters
Bahnhofstrasse 4 9100 Herisau,
0446214007