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Life sometimes takes unexpected turns. It's good to be prepared. Our provident insurance package is a savings plan and risk cover all in one. It also comes with low premiums and a package discount. Maximum security for you and your loved ones.
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Savings and risk cover in a single package |
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Attractive package discount |
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Choice of investment plans |
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Premium guaranteed for entire term |
Our provident insurance package guarantees triple protection: build capital via a third pillar pension with a good potential for returns, and protect yourself and your loved ones financially with death benefits insurance and pension for loss of earning capacity. Plus, our premium exemption is also fully included.
Saving and risk cover for a secure future.
At a bundle price and with exclusive discount.
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
Closing 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 any time. Pillar 3b is a great option for building savings for a bigger investment.
Please note
Financial protection for family
Guaranteed sum insured
Fund assets paid out in full
Automatically included
Your death benefit
Your death benefits will ensure that your family will be financially secure should anything happen to you. They will be paid the entire fund balance, at least the guaranteed death benefit.
Coverage
Pension for loss of earning capacity
Choice of pension amounts
Waiting period of 30 to 720 days
Automatically included
Your pension for loss of earning capacity
If you experience loss of earning capacity because of physical or mental problems, we will pay you a pension. These payments will be made retroactively four times a year. This means you’ll be able to maintain your usual standard of living.
Choice of pension amounts and waiting periods
The legal waiting period is 720 days. With us, you can reduce this period to 30 days. You’ll also be able to choose the pension amount to suit your personal needs.
In the event of loss of earning capacity
We’ll continue paying your premiums
Paid after an agreed period
Automatically included
Your premium exemption
If you lose your income because of an illness or accident, we will continue paying your premiums on expiry of the waiting period. This also applies if you lose your basic faculties. This will help with your finances and means that you will still be able to achieve your saving goals.
Choice of waiting periods
A provident insurance package is particularly important for parents, families and couples that want to provide optimal protection for their loved ones. We recommend that you take out a provident insurance package if, for example, you are the main bread winner and you want to build up savings capital while also optimally protecting your family against risks. Our provident insurance package contains comprehensive risk cover along with a lump sum death benefit and pension for loss of earning capacity.
The age at entry and final age applies to women and men:
Age at entry:
Final age:
Insurance coverage always starts on the first day of the month after the date on which you took out the insurance. For example, if you take out insurance on May 20, you will be protected as of June 1. Unless, of course, you request a different start date. You can choose to start insurance coverage at any point within three months of taking out the insurance.
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
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 life insurance or stop paying your premiums. Our life 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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