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For making your dreams a reality, major purchases or your retirement: our savings insurance plan allows you to build up capital. With attractive potential returns and optional risk cover.
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Saving under pillar 3 with tax advantages |
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Attractive potential returns |
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Choice of investment plans |
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Optional: add risk cover |
You build up savings in either a pillar 3a or 3b pension. When doing so, you can select from three savings profiles with different levels of risk. Our savings insurance always includes a premium exemption: we will continue paying your premium if you experience loss of earning capacity. Plus, you can add other risk cover to your policy.
Saving for retirement or to make dreams a reality.
For a life without financial worries.
Building savings capital
In a pillar 3a or 3b account
Choose from a range of investment plans
Invest in line with your needs
Potential returns
Saving for later life
You decide whether to pay your premiums into a pillar 3a or 3b account. This way, you can build financial security for your retirement or savings for your next big purchase.
Finding the right investment plan
You can choose from two different types of investment plan: our sustainable Tomorrow Invest plans, which primarily invest in Swiss companies with a proven commitment to creating a better world. And our cost-effective Multi Index strategy funds, which focus on high geographical diversification and cost-effective ETFs.
Build savings for your retirement
Close pension gaps
Benefit from tax savings
Savings withdrawable on retirement
Saving under pillar 3a
We’ll pay your premiums into a pillar 3a pension. Pillar 3a is a tied pension. This means you will normally only be able to access pillar 3a savings when you retire. However, it allows you to deduct your premiums from your taxable income, which means you’ll pay less annual tax. This makes a pillar 3a pension perfect for saving for your old age.
Good to know
Saving: flexible and without limits
Unrestricted access to your savings
Saving for major investments
Limited scope for tax savings
Free choice of beneficiaries
Saving under pillar 3b
We’ll pay your premiums into a pillar 3b pension. Pillar 3b is a flexible pension. That means you can be very flexible with your savings and access your funds at any time. Pillar 3b is a great option for building savings for a bigger investment.
Good to know
In the event of loss of earning capacity
Automatically included
We’ll continue paying your premiums
Important protection
Your premium exemption
The integrated premium exemption ensures that you’ll be able to achieve your savings objectives even if you experience loss of earning capacity after an accident, illness or impairment of your basic faculties. In this case, we will continue to pay your premiums once the waiting period has expired.
Pension for loss of earning capacity
Lump-sum disability benefit
Lump sum death benefit if result of an accident
Add-on covers
If you and your family would like to protect yourself from other risks, you can add any of the following optional covers to your savings insurance. For more protection from the financial fallout of illness, accidents and death.
Options at a glance
Savings insurance is suitable for anyone who wants to save for retirement. It doesn’t matter if you already have a solid career, or are still studying and only have a part-time job. It’s best to start saving as early as possible, to make sure you have built up enough pension capital for your retirement. Savings insurance is also a good idea if you are the main bread winner and you want to provide financial security for loved ones in the event that you experience a loss of earning capacity or disability.
The age at entry and final age applies to women and men:
Age at entry:
Final age:
This depends on whether you’re taking out death benefits insurance as part of a pillar 3a or 3b account. If as part of pillar 3b, you can name anyone you like. This could be a cohabiting partner or even an organisation.
Under pillar 3a, the beneficiaries are limited by law. There are statutory requirements that you have to comply with. The persons are beneficiaries in the order below:
When taking out this insurance, you will be able to choose from a range of different insurance plans to match your specific investment goals and preferences.
Tomorrow Invest: Tomorrow Invest plans come in two different versions: Tomorrow Invest 50 and Tomorrow Invest 100.
Multi Index: Multi Index investment plans come with a range of options: the investment plans Multi Index 25, 50, 75 and 100, and the Opportunity investment plan.
We will be happy to help you choose the right investment plan for you.
You can pay your premiums monthly, quarterly, six-monthly or annually. You can easily and conveniently do so via direct debit, for example. Finance the premiums via an interest-bearing premium deposit account and benefit from attractive interest rates.
More information on payment options can be found here.
Yes, that is possible and depends on whether you’re taking out savings insurance as part of a pillar 3a or 3b account:
Pillar 3a
Pillar 3b
Besteuerung bei Säule 3a (gebundene Vorsorge)
Der Gesamtbetrag wird getrennt von den übrigen Einkünften besteuert und unterliegt einem sogenannten gesonderten Steuersatz. Die Kantone können für den anwendbaren Steuersatz eigene Regelungen treffen. Bitte wenden Sie sich an Ihre Steuerbehörde.
Wenn Sie ausserhalb der Schweiz wohnhaft sind oder Ihre Ausreise unmittelbar bevorsteht, wird direkt vom Rückkaufswert eine Quellensteuer abgezogen. Diese liegt grundsätzlich zwischen 6% und 9%.
Besteuerung bei der Säule 3b (freie Vorsorge)
Die freie Vorsorge ist steuerfrei, sofern Sie den möglichen Rückkaufswert des Vertrags jährlich bei Ihrer Steuererklärung angegeben haben.
You can terminate your policy from the second insurance year onwards, i.e. as soon as you have paid the premium for one full year. Any excess premiums paid will be reimbursed. Please note that if you cancel your insurance before three years have passed, you could lose money. That’s why we recommend that you cancel – if at all – after having the policy for at least three years.
In essence, after three years. This is because after three insurance years have passed, the insurance has a surrender value – provided the premiums were paid for the entire three years. If that is the case, you can surrender your savings insurance or stop paying your premiums. Our savings insurance policy allows you to withdraw your saved capital on preferential terms.
Our expert advisors will help you to find the perfect insurance coverage in every phase of life. If you have a specific question about an insurance policy, we will answer it quickly and expertly.
If you would like a better understanding of your overall situation, we will work with you to analyse your needs and goals. We will recommend the right solutions for your insurance coverage and your financial security.
The advice is free of charge, with no strings attached. You choose the time and place.
Discover all the benefits of a consultation
Report an insured event
Do you want to make an insurance benefit claim or inform us of a death? We are here for you.
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