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With life insurance from AXA, you provide for your old age and protect your family’s financial future.

Life insurance

You can achieve a lot more than you think: Life insurance offers the best opportunity for planning your financial future. So that there’s always enough money – for you and for the people you care about.

  • Secure your living costs
  • Reach your capital goals
  • Tax optimization

Why do I need life insurance?

If you want to save money with a goal in mind, to invest a lump sum sensibly, or finance residential property, life insurance is to be recommended. At the same time, you can insure your financial future and that of your family or others, and also improve your financial situation in old age. And you can choose  the features that are important to you on an individual basis. This gives you a considerable choice of possibilities in planning your personal financial future.

 

Our products

You should plan your pension provision carefully - You need quotes covering a variety of different features to fulfill your own personal strategy. In line with your requirements, according to your personal taste.

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    Secure your living costs

    Protection in case of disability or death; for you and your dependants

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    Saving and investing

    Save for old age or simply achieve a return.

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    Retirement & old age

    Close income gaps in order to maintain your accustomed living standard after retirement.

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The key terms concerning life insurance

  • Pillar 3a/3b

    There are two types of Pillar 3 pensions: the tied pension (Pillar 3a) and the flexible pension (Pillar 3b): Generally speaking, we recommend a combination of the two types.

    • 3a aims to provide sufficient income in old age and is subject to strict conditions regarding the annual incoming payments and the date of the payout. It can only be financed with premiums. However, the law permits only a limited amount to be paid into the plan each year.
    • 3b is flexible regarding the term, the beneficiaries, and the amount paid in. It can be financed with premiums or with a single payment.
  • Tax advantages

    The federal government supports Pillar 3 with attractive tax benefits.

    Pillar 3a in particular is considered to be a sensible measure for tax optimization.

    Tax advantages of Pillar 3a:

    • The annual premium is deducted from your taxable income (up to the legal maximum).
    • Earnings (interest and bonuses) are exempt from income tax during the term.
    • The lump sum payout is taxed at a reduced special rate.

    Tax advantages of Pillar 3b:

    • Periodically financed, endowment life insurance is exempt from income tax. Provided the following conditions are met, the same applies for life insurance financed by a single premium:

    The policy was signed before the insured person's 66th birthday.

    The insured person has reached age 60 when the amount is redeemed.

    The policy is redeemed at the earliest after 5 years.

    The policyholder and the insured person are identical.

    • Earnings (interest and bonuses) are exempt from income tax during the term.
  • Beneficiary

    The beneficiary is defined as the person who should receive the money from a life insurance payout. On maturity and in the event of disability, this is often the policyholder him/herself. On death, family members or persons close to the deceased are generally the beneficiaries.

  • Policyholder / insured person

    On concluding a life insurance policy, the policyholder is the person who signs the contract. He/she can specify whether he/she or another person shall benefit from the payout when the contract term ends. This other person is deemed to be the insured person.

  • Maturity / lump sum on maturity

    The payout of a life insurance policy when the contract term ends is described as a lump sum on maturity. Unlike in the event of death, a maturing policy indicates that the policyholder is still alive.

  • Security

    The security offered by a life insurance policy goes way beyond that offered by a bank account. For life insurance, insurance companies must build up sufficient provisions. Insurance companies are subject to regular checks by FINMA, the Swiss Financial Market Supervisory Authority, to ensure they can still meet their obligations toward their customers.

    • There are comprehensive contractual guarantees associated with classic life insurance contracts. For individual life insurance (e.g. combined insurance, life annuities) this means that the insured benefits are fully guaranteed. Unlike in the case of a bank account, this type of guarantee goes beyond CHF 100,000 and applies to all the accrued capital, including the interest and any bonuses that have been allocated. 
    • The guarantees of the life insurers are possible because the companies concerned are legally obligated to safeguard their obligations in respect of insurance contracts by way of so-called "tied assets." These must safeguard the entitlements of the insured deriving from the insurance contracts. Hence, customers’ money is protected even in the event of an insurer going bankrupt.
    • For fund-linked life insurance, all the fund units are allocated to separate tied assets. Hence, even in the event of an insurer going bankrupt, the value of the fund units is safeguarded.
  • Capital protection

    Life insurance generally offers you an enhanced level of security for your invested capital. For performance-oriented products, the level of the capital payment is guaranteed at maturity, and your capital is invested securely during the term (guaranteed surrender values), with profits being locked in.

  • Pension gap

    The pension gap is the difference between the money you need and the money you receive.  Such gaps can arise due to occupational disability following illness/accident or during old age. In the event of death, pension gaps impact the family members or the survivors.

  • Premium waiver

    With an integrated exemption from premiums, AXA pays the premiums if you become unable to work as a result of an accident or illness. And this continues until the end of the contract term. You are thereby guaranteed to reach your capital goals. Exemption from premiums is integrated into some products or can be chosen as an option.

  • Indirect repayment of a mortgage

    Instead of repaying a mortgage directly, it is possible to repay it indirectly. To do this, the money is invested in a life insurance policy in order to build up the necessary capital. This insurance policy is pledged to the mortgage lender (e.g. your bank). When the policy matures, the payout is used to pay off the second mortgage.

    Indirect repayment of this nature offers significant advantages: mortgage debt, interest expense and tax deductions remain the same. Furthermore, borrowers will be able to make their payments in the event of disability or death because they are insured.

  • Premium holiday

    In order to overcome a financial bottleneck, premium payments can be suspended for one year on up to four occasions. In this case, your coverage remains in effect. The agreed lump sum for payment at the end of the contract is reduced pro rata. In the event of maternity leave, unemployment, travel or training, a premium holiday can make sense.