Life Insurance in Switzerland 2026
Financial security for your loved ones and optimal retirement planning. Find the right solution for your life situation.
Take precautions – Think of tomorrow today
Life insurance in Switzerland serves two main purposes: protecting your family or business partners in the event of death and building capital for old age. Whether you want to save taxes through tied pension provision (Pillar 3a) or want to remain flexible with free pension provision (Pillar 3b) – the right strategy adapts to your life goals and offers security in the event of disability.
- ✔ Term Life Insurance: Protection for the family or mortgage.
- ✔ Occupational Disability: Pension payment in case of illness or accident.
- ✔ Tax Benefits: Deduct Pillar 3a premiums from taxable income.
- ✔ Capital Accumulation: Savings portion for a carefree retirement.
- ✔ Flexibility: Adjusting premiums to your financial situation.
Frequently Asked Questions about Life Insurance
Pillar 3a is tied pension provision. It offers high tax advantages but is linked to legal conditions (e.g., limited contributions, payout usually only at retirement). Pillar 3b is flexible pension provision: it offers fewer tax advantages, but the capital is available at any time.
It often serves as security for the mortgage. In the event of a partner's death, the insurance ensures that the mortgage can continue to be paid and the family can stay in their home.
Many life insurance policies include a waiver of premiums in the event of disability. This means the insurance company continues to pay your contributions so that your savings goal is still achieved. In addition, a disability pension can be agreed upon.
This depends on the contract and the destination country. With Pillar 3a, moving abroad is often a reason for early payout of capital. We recommend individual advice on this.
As a rule of thumb: 3 to 5 times the gross annual income, plus outstanding debts or mortgages, to secure the survivors' standard of living.
The most important pension models
Compare the different types of life insurance and choose the right strategy.
Risk Protection
Pure term life insurance. Very important for young families and homeowners.
Get an offerCapital Accumulation
Combination of protection and savings. Payout at the end of the insurance term.
Get an offerGet neutral advice
Choosing the right life insurance is a decision for decades. Our experts will help you find the best product.
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