Life Insurance &Disability Benefits
Tailored protection to secure your family and income against life's uncertainties.
When Do You Need Life Insurance?
Your protection needs evolve with important life milestones. Discover when and why to get life insurance.
Key Life Stages
Young Professional (25-35 years)
Career start, first loans, future projects. Affordable life insurance protects against debt and secures your loved ones.
New Parents (30-45 years)
Children arrive, home purchase, increased responsibilities. Critical period where your loved ones depend entirely on your income.
Established Family (45-60 years)
Peak income, significant mortgage, children in education. High protection need to maintain family lifestyle.
Pre-Retirement (55+ years)
Transition to retirement, tax optimization, wealth transfer. Life insurance becomes an estate planning tool.
Why Act Now?
Age Affects Cost
The younger you are, the lower the premiums. Subscribing early guarantees you favorable rates for the entire contract duration.
Current Health Status
Your current health status determines your acceptance and conditions. Waiting may mean future exclusions or refusals.
Immediate Protection
Coverage takes effect upon signing. Every day without protection exposes your family to financial risks.
2025 Tax Benefits
Tax deductions up to CHF 3,500 depending on your canton. Life insurance linked to the 3rd pillar offers significant tax benefits.
Complete Protection for Your Family
Pure Risk Life Insurance
Maximum protection at optimal cost to secure your loved ones' future. Flexible coverage adapted to your evolving needs.
Savings-Linked Policies
Smart combination of protection and savings for optimal financial planning with tax benefits.
Disability Coverage
Maintain your standard of living in case of work incapacity due to illness or accident. Essential protection often overlooked.
Available Coverage Types
Choose the protection that best fits your needs and personal situation
Death Insurance
- Guaranteed capital to beneficiaries
- Premiums adapted to your budget
- Immediate coverage
- Flexible amounts
Disability Insurance
- Pension in case of disability
- Illness and accident coverage
- Maintain standard of living
- Adaptation according to degree of disability
Complete Protection
- Death + Disability
- Integrated savings
- Tax benefits
- Estate planning
2025 Regulatory Updates
Latest regulatory developments that impact your protection
New Guarantees
Strengthening of minimum guarantees and extension of coverage for occupational diseases and emerging risks.
Tax Benefits
Optimized tax deductions up to CHF 3,500 depending on canton. New combination possibilities with 3rd pillar.
Enhanced Protection
New provisions for policyholder protection in case of insurer financial difficulties. Extended guarantee fund.
Get Your Protection Quote
Get a personalized protection plan tailored to your family and professional situation