Compare life insurances in Switzerland
Find the right life insurance deal with Comparis. Our brokerage partner Optimatis and its contracting companies support you and compare your options – transparently and with no obligation on your part.
Here’s how it’s doneWhat is life insurance?
Life insurance protects the people that are financially dependent on you and ensures that they can maintain their standard of living in the event of your disability or death. You can also use it to accumulate funds in your private pension (third pillar). Find out what types of life insurance are available and what to be aware of.
Important information about life insurance
Comparis gives you important information about life insurance, and helpful tools to illustrate your financial situation.
Death benefits insurance
Pension calculator
Income protection insurance
Why take out life insurance?
The advisors from Optimatis, the brokerage partner Comparis, are here to help you.
Identify the risks
Optimatis and its contracting companies will advise you to ensure you have optimal protection in the event of death, disability and retirement.
Personal protection
Decide how high the pension should be in the event of becoming unable to work, or how much the lump-sum death benefit should be.
Save money and optimize your returns
The experts at Optimatis and its contracting companies will show you how to optimise your returns on the basis of the third pillar while also saving on taxes.
Identify the risks
Optimatis and its contracting companies will advise you to ensure you have optimal protection in the event of death, disability and retirement.
Personal protection
Decide how high the pension should be in the event of becoming unable to work, or how much the lump-sum death benefit should be.
Save money and optimize your returns
The experts at Optimatis and its contracting companies will show you how to optimise your returns on the basis of the third pillar while also saving on taxes.
Find the right life insurance in three steps
Explore the topic of life insurance in detail and get an accurate picture of your financial situation:
Our brokerage partner Optimatis and its contracting companies will clarify your concerns and compare different life insurance providers. This will enable them to determine which products would best meet your needs.
You will receive various offers. You can now choose the right insurance.
Das sagen Kundinnen und Kunden von Optimatis
Frequently asked questions about life insurance
Life insurance is insurance that cover risks such as death or disability – so-called "risk" life insurance. However, there are other types of life insurance that primarily function as private pensions. These are called capital-forming life insurance policies. Both insurance options are included in the third pillar in Switzerland and thus part of your private pension plan.
In Switzerland, a distinction is made between so-called "risk" life insurance and "mixed" life insurance. Both are designed to cover the financial risk of incapacity for work due to accident or illness. However, mixed life insurance also covers the financial risk of death, and includes a savings element that can be invested in a fund until retirement.
There is no short answer to this question, because everyone's circumstances are different and require correspondingly diverse solutions. We therefore recommend you get professional advice. An advisor can analyze your financial situation should you become unable to work, ascertain how well your family is protected in the event of your death and identify any shortfalls in your pension. This will quickly give you a sound insight into what kind of cover you need.
Your pension plan is individually tailored to your personal needs. This means that the cost of life insurance will also vary. The premium therefore depends entirely on your circumstances. However, as a guide, you can expect to pay from around 100 francs per month for a policy with a savings element.
Life insurance is a long-term pension solution. Since it is often combined with pillar 3a, the policies usually run until retirement. Note that the earliest payout is 5 years before and the latest 5 years after statutory retirement age has been reached.
In pillar 3a, you have the option to have your life insurance paid out early under certain circumstances. If you do so, you will receive the surrender value of the policy.
With pillar 3a life insurance, you can deduct the contributions from your taxable income. However, there is a legal maximum. If you have your life insurance paid out, a reduced tax rate applies.
Get in touch with Optimatis, the brokerage partner of Comparis
Do you have any questions about pensions and life insurance? Would you like to get some advice from experts? Then you can make a non-binding appointment through the contact form.
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