Life Insurance &Disability Coverage in Switzerland
Pure risk or mixed insurance? Death or disability coverage? Get independent advice from a FINMA-registered advisor to find the right protection for your situation.
✦ Independent 30-minute review • No obligation • No product pushing
Why Protection is Essential
Coverage gaps in Switzerland are larger than most people think. Here are the numbers that make you think.
What your consultation includes
Free 30-minute call, no obligation
Gap analysis
Precise identification of gaps between your current coverage and your actual needs.
Objective comparison
Review of the best offers on the Swiss market, without bias or product pushing.
No pressure
You leave with clear information and recommendations, not obligations.
Three Levels of Protection
Every situation is unique. I help you choose the coverage best suited to your profile and objectives.
Death Insurance
- Guaranteed capital paid to beneficiaries
- Premiums adapted to your budget
- Immediate coverage from signing
- Flexible amounts based on your needs
Disability Insurance
- Monthly pension in case of incapacity
- Illness and accident coverage
- Maintain your standard of living
- Adapted to degree of disability
Complete Protection
- Death + Disability combined
- Integrated retirement savings (3A)
- Tax benefits up to CHF 7,258/year
- Estate planning included
Pure Risk vs Mixed Insurance
Two very different approaches. Understanding the difference is essential to making the right choice.
Pure Risk Insurance
Maximum protection at minimal cost. Pays out a capital only in case of a claim (death or disability). No surrender value — you pay only for protection.
Mixed Life Insurance
Combines protection and savings. Pays out a capital at contract maturity even without a claim. Often linked to the 3rd pillar for significant tax benefits.
When Do You Need Protection?
Your needs evolve with the stages of your life. Here is how protection adapts to each phase.
Young Professional (25–35 yrs)
First loans, future projects. Premiums are at their lowest — the ideal time to subscribe and lock in favourable conditions for the entire contract duration.
New Parents (30–45 yrs)
Children arrive, home purchase. Critical period where your loved ones depend entirely on your income. Solid coverage is essential to secure their future.
Established Family (45–60 yrs)
Peak income, significant mortgage, children in education. High protection need to maintain family lifestyle and cover financial commitments.
Pre-Retirement (55+ yrs)
Transition to retirement, tax optimisation, wealth transfer. Life insurance becomes an estate planning and tax optimisation tool.
What Changes in 2026
The latest regulatory and tax developments that impact your life and disability coverage.
3A Tax Deductions
The 3A deduction ceiling is set at CHF 7,258 for employees in 2026. A mixed life insurance linked to 3A allows you to fully deduct your premiums.
Strengthened Guarantees
New provisions for policyholder protection in case of insurer financial difficulties. The Swiss guarantee fund has been extended to cover more products.
AI & Disability Reform
The disability insurance (AI) reform continues to reduce pensions for certain profiles. Coverage gaps are widening, making supplementary insurance even more important.
Frequently Asked Questions
The most common questions about life insurance and disability coverage in Switzerland.
Protect Your Family Starting Today
Get an independent expert assessment from a FINMA-registered advisor. Together, we will analyse your actual needs and identify the solutions best suited to your situation.