Single-premium life insurance

Safeguarding your future: an attractive capital investment and financial security for your loved ones

What are you looking for in retirement? CONFORTA single-premium life insurance will provide you with tax-privileged pension capital so that you can enjoy your retirement just as you wish. At the same time, your loved ones enjoy financial protection thanks to the guaranteed death benefit.

Your benefits

  • Attractive investment and insurance cover in a single package
  • Guaranteed death benefit as from day one of the cover
  • Inheritance, bankruptcy and tax privileges
  • Option of transferring cash from other 3a accounts

Capital for your pension

With CONFORTA life insurance, you make a one-off investment that pays out several times over. Generali’s financial experts will invest your money in first-class funds, thereby giving you the potential for attractive returns. You can then use the accumulated tax-privileged capital paid out at the end of the contract term to enjoy your retirement without financial worries. And should you be in need of funds during the term of the contract, you can withdraw either all or part of your capital in advance at any time under the terms of Pillar 3b, or take out a loan.


Financial security for you and your loved ones

With your investment, you are protecting not only yourself but also your loved ones: if anything should happen to you, they will enjoy financial protection thanks to the guaranteed death benefit that is payable from day one of your cover. CONFORTA life insurance also means that you benefit from privileged inheritance and bankruptcy rules: rather than becoming part of the deceased’s estate, the death benefit is paid out directly to the beneficiaries, even if they decide to renounce their inheritance. If you have named your spouse, registered partner or children as beneficiaries, the entitlement under the insurance can neither be pledged nor can it form part of the bankruptcy estate.


Our range of funds is perfectly tailored to your needs:

  • Our sustainable «Tomorrow Invest» investment plans, which invest primarily in Swiss companies with a proven commitment to a better world.
  • Our «Multi Index» strategy funds, which emphasise broad geographical diversification with cost-effective ETFs.
  • You can change your investment plan at any time.


Your benefits

You will receive the survival benefit when the term of the contract ends. In the event of your death during the term of the contract, the death benefit will be paid out to your beneficiaries. If the insured person dies of an illness within the first three years of the policy term, the guaranteed minimum amount is equal to the single premium plus interest of 0.05 % per annum.


Your savings premiums can be invested in our «Multi Index 25, 50, 75 and 100», aswell as our «Opportunity» investment plans. We now also offer our sustainable investment options «Tomorrow Invest 50» und «Tomorrow Invest 100».

On a monthly, quarterly, six-monthly or annual basis.


Premiums can be paid easily via direct debit. Finance the premiums via an interest-bearing premium deposit account and benefit from attractive interest rates.

Pillar 3a

  • Premiums can be deducted from taxable income. You can find the current statutory maximum amounts here.
  • No wealth or capital gains taxes are payable during the term of the policy.
  • The payment is taxable at a reduced rate.


Pillar 3b

  • Tax-free lump sums
Type of insurance Unit-linked combined endowment insurance (GA tariff)
Automatic premium adjustment You have the option of adjusting the premium automatically to the 3a upper limit.
Age at entry/final age
  • Age at entry: 18 to 55 years
  • Final age under Pillar 3a: 65 years or up to 70 years if the insured person remains in employment.

Final age under Pillar 3b: 75 years

Term of contract 10-45 years
Beneficiaries In Pillar 3a, the statutory beneficiary rules apply. The beneficiary may be freely chosen with Pillar 3b.
Surrender/waiver of premium

It is possible to surrender the policy, take out a loan on it or request an exemption of premiums after having paid premiums for at least two years.

SCALA allows the funds saved to be withdrawn on preferential terms. The Pillar 3a conditions must be complied with.

Facts & figures

Single premium of at least CHF 30,000

10 – 25 years

From 30 onwards

Pillar 3a: 65 (or up to 70 years if the insured person remains in employment)

Pillar 3b: 75

Pillar 3a: statutory beneficiary rules

Pillar 3b: free choice of beneficiaries

Possible at any time

(provisions of Pillar 3a must be taken into account)

Possible at any time (Pillar 3b only)

Pillar 3a: The single premium is deductible from taxable income up to the statutory maximum amount. You can find the current statutory maximum amounts here. The capital paid out is taxed at a lower rate. No tax is payable during the term of the contract.


Pillar 3b: No tax is payable on the capital paid out when the policy matures (provided it is being used to fund a private person) or on capital gains during the terms of the contract.