The clever combination of capital protection and capital growth using life insurance is the right answer in today's turbulent times. A lot can be achieved for just a small investment.
With life insurance you can close gaps in your retirement provision and at the same time protect your surviving dependants financially in the event of your death. Today's life insurance policies offer you a high level of participation on the international stock markets with considerably more security for your money.
With classic life insurance, you save capital and close your pension gaps in case of occupational disability and/or death. Your savings capital is linked to the development of a globally diversified index and you benefit from a stock market boom at no risk. Thanks to the minimum interest rate guarantee, capital is also accumulated in poor stock market years. Any investment income you achieve is secured annually and can never be lost.
Invest your savings to generate a return, benefit from capital protection and simultaneously protect your dependants financially.
Insurance coverage starts: 1.6.2018, indicative participation rate: 200%
Insurance coverage starts: 1.9.2018, indicative participation rate: 220%
Investment product with guaranteed lump sum payment and participation in the investment markets, incl. free custody account management
Capital protection 90%
Security no.: 40 200 436, term: 7 years
Capital protection 90%
Security no.: 40 200 437, term: 10 years
Combine pension coverage with the attractive potential of an investment fund.
With a premium account at AXA, you can pay in as much and as often as you want. When your pension premium payments become due, the amounts are simply booked directly from your premium account. If your account has insufficient funds, we'll send you a bill for the difference. The premium account is very popular as the interest rate is generally more attractive than the market average.
Life insurance companies are required by law to guarantee all liabilities arising from their customers' life insurance contracts. The Swiss Financial Market Supervisory Authority (FINMA) even guarantees payments when a company goes bankrupt. Deposits at a bank are only legally protected up to CHF 100,000.
To make a fair comparison, you should take into account: the risk protection, the security of the investments, and the tax situation during the inpayment period and the payout. In the end, pension products often do better than their technical interest rate might suggest.
Pillar 3a (tied pension) with a bank or an insurance company is supported by the federal government as purpose-defined retirement provision with annual tax savings of up to CHF 2,000. In addition, tax advantages are granted when amounts are paid out. However, only a limited amount can be paid into the plan. New limits are set every two years. Pillar 3b (flexible pension) is not limited, but does not benefit from any tax savings during the term or on payout.