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With risk insurance from AXA you can protect yourself and your dependants against financial difficulties in the event of occupational disability or death.

Secure your living costs

There's no way of knowing what fate has in store for you. Your financial future, however, is another story. A life insurance policy won't prevent an accident. But it can protect you, your family or your business partner against the financial consequences.

  • Flexible range of options if circumstances change
  • A secure income
  • Protection of residential property

Why are the contributions to Pillars 1 and 2 inadequate?

When you pay AHV and pension fund contributions, you may be lulled into a false sense of security. The benefits from Pillars 1 and 2 are in no way a full substitute for your accustomed income. Check your situation and take action if you have pension gaps.

What is a pension gap?

If you become disabled as a result of an accident or illness, you are entitled to benefits from Pillars 1 and 2 as well as from other types of insurance you may have. If you die, your dependants also receive  payments. The difference between all benefits and the income you actually need is described as your pension gap.

Changes in life circumstances such as your children starting work or a new job alter your requirements and hence your pension gap.

How can I close pension gaps?

You can close pension gaps in case of disability or death with term life insurance. This offers protection against specific risks only and is correspondingly inexpensive. There are other types of life insurance if you have other goals in mind, such as retirement provision or wealth accumulation. Combined solutions are also possible.

Why do I need pension advice?

The Protection calculator will give you a basic overview. However, for a precise analysis of your situation, pension advice is essential. Our advisors in the General Agency – Pensions and& Assets in your area are available to calculate your pension gap. This calculation is individually tailored to your existing insurance policies, your financial obligations and your wishes.

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Term life insurance

Close your pension gaps for the risks of disability and death. This protects you and your dependants against financial problems if you can no longer work for health reasons or if you die. Effective risk coverage will also fit into a tight budget, where it may play an especially important role. There is term life insurance for occupational disability and for death.

Reasons for term life insurance

  • Ensures coverage of your and your family's living costs
  • Mutual protection for private and business partnerships
  • Tailored enhancement of insufficient benefits from Pillars 1 and 2
  • Safeguarding of maintenance payments, loan repayments and other obligations
  • Assured financing of residential property and mortgages
  • Choose your preferred beneficiaries

Occupational disability insurance

Protect yourself and your dependants against salary losses in case of occupational disability if for health reasons you can no longer work or only work to a limited extent. Those who are self-employed or own a home are especially exposed when confronted with loss of income. This pure risk policy is a key investment, especially for those with little financial leeway.

Insurance options

  • Pure risk insurance (annuity insurance) or combined with capital accumulation
  • Occupational disability pension only in case of illness (as supplement to an existing accident insurance)
  • Waiting period adjusted to current pension benefits (e.g. after the employer’s continued salary payments end)
  • Occupational disability insurance for young persons

Whole life insurance

Give your family members or business partners financial stability in the event of death. This at least prevents financial worries from adding to the pain of bereavement. Financial worries that might otherwise result from a lack of income to cover living costs, or from unsustainable obligations such as loans, mortgage debt or other liabilities.

Insurance options

  • Death lump sum can be insured for 2 persons
    Payment of the insured amount, including the accrued surplus, if one of the two insured persons dies
  • Life annuity certain
    Regular pension payments to the beneficiary for a defined period instead of a one-time lump sum
  • Declining death lump sum
    Annual linear reduction of the amount of insurance agreed when the contract is signed, e.g. to repay a mortgage loan.
  • Pure risk insurance or combined life insurance with integrated capital accumulation.
  • Exemption from premiums in case of occupational disability from accident or illness

A combination of the different insurance options is possible.

Individual accident insurance

Supplementary accident insurance for insufficiently insured adults and children

Statutory accident coverage is generally insufficient for the following people:

  • Homemakers
  • Children and young people
  • Students
  • Individuals not gainfully employed
  • Part-time employees working fewer than 8 hours per week

Adjustable benefits:

  • Medical expenses
  • Daily benefits
  • Daily hospital benefits
  • Disability lump sum
  • Death lump sum

Support and frequently asked questions

  • My partner and I would like to insure one another. Can we do this in one policy?

    A death lump sum can also be insured for two persons. The capital is paid out when one of the two persons dies.

  • I am self-employed and single. Should I join a pension fund or take out life insurance?

    Under occupational benefits insurance, a single person without children pays contributions for benefits he or she will never need, namely for child's pensions and surviving dependants' pensions in the event of death or disability. Pillar 3 coverage can be tailored precisely to a single person’s effective needs. You only pay for what you actually need.

  • What is inheritance privilege?
    • In the event of your death, the lump sum payment does not become part of the estate but is paid to the beneficiaries directly and immediately.
    • Beneficial ownership from the insurance remains in effect even if the eligible heir, spouse, registered partner, parent, grandparent, or sibling  renounces the inheritance .
  • What is debt enforcement and bankruptcy privilege?
    • If you have a tied pension policy,entitlement to insurance benefits can neither be pledged  nor included in the bankrupt estate before the policy matures .
    • If you have a life insurance policy as flexible pension provision and, as policyholder, bankruptcy proceedings are initiated or a loss certificate is issued against you, your life insurance is transferred automatically to the beneficiary spouse or registered partner, or to the eligible children.

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