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As government pension benefits shrink, private savings become all the more important. Our provident insurance helps you save pension capital while protecting your loved ones against the financial fallout of a death in the family.
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Savings and risk cover combined |
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Guaranteed death benefit |
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Add supplementary options as required |
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Choice of investment plans |
Our provident insurance Scala combines a savings portion with risk insurance. You put aside 3rd pillar savings to use after you retire. If anything happens to you, your family members will enjoy financial protection thanks to the guaranteed death benefit. You can also choose to add insurance for loss of earning capacity, premium exemptions or additional lump-sum benefits.
To ensure your loved ones are financially secure.
Protection and insurance for a variety of different situations.
Financial protection for family
Guaranteed sum insured
Automatically included
Fund assets paid out in full
Your death benefits
Your unit-linked provident insurance Scala policy protects your loved ones in the event that something happens to you. They will be paid the entire fund balance, but at least the guaranteed death benefit.
Coverage
Adjust your risk cover
As your life changes
Available throughout the entire term
Stay flexible
Your guarantee of subsequent insurance
Marriage, children, divorce or the purchase of your own home: there’s no way to predict where life will take you. Our guarantee of subsequent insurance allows you to adjust risk cover for your provident insurance Scala policy easily as your life changes.
Adjust benefits every five years
Guarantee of subsequent insurance is automatically included. This allows you to adjust your benefits every five years throughout the entire term of your provident insurance Scala policy.
Pension for loss of earning capacity
Additional lump-sum benefits
Premium exemption
Additional options
If you want to, you can add additional coverage to your provident insurance Scala policy to ensure that you have even more comprehensive protection for certain events. For example, you might want cover as a way of protecting your standard of living in the event that you are no longer able to work.
Additional options at a glance
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
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
Pillar 3a has strict rules concerning the order in which beneficiaries will be paid any funds in the event of the insured person’s death.
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
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
This provident insurance is suitable for many different people and in many different circumstances. However, it is particularly important for parents, young families and young couples. We recommend that you take out life insurance if, for example, you are the main bread winner and you want to optimally protect your family against risks. It’s also an excellent way to save and build up pension capital.
Unit-linked combined life insurance is insurance that contains both a savings portion and risk insurance. So for example, you are insured against the risks of death or loss of earnings capacity while simultaneously saving in pillar 3a or 3b. Our life insurance is exactly this type of combined life insurance.
If you would prefer to insure against risk without a savings portion, you can choose from two risk insurances – death benefits insurance and income protection insurance.
You can take out pillar 3a or 3b life insurance. This allows you to build up savings capital and profit from tax advantages.
The age at entry and final age applies to women and men:
Age at entry:
Final age:
That depends on your personal situation. We will be happy to advise you and ensure you get optimal protection. Our free pension analysis calculates any pension gaps and determines how high your life insurance should be. That way, you can be sure that your insurance coverage matches your needs.
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, our provident insurance is optimally suited to protecting and paying back your mortgage. That means you can pledge your insurance policy as collateral with us or your bank (pledging). When an insurance policy is pledged, the contract serves as a guarantee for paying off the mortgage loan indirectly.
Yes, that is possible and depends on whether you’re taking out your insurance as part of a pillar 3a or 3b account:
Pillar 3a
Pillar 3b
Surrender is essentially possible from the beginning of the contract. You must take the relevant conditions into account if you have chosen Pillar 3a insurance.
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.
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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