Life Insurance Switzerland - Comparison & Best Offers

Life insurance provides financial protection for your family and can also serve as a savings instrument for retirement planning. In Switzerland, there are different types of life insurance that can be selected according to your needs.

Types of Life Insurance

Term Life Insurance

Provides death benefit protection for a specific period without savings function. This cost-effective option is ideal for young families.

Suitable for: Young families, homeowners with mortgages

Whole Life Insurance

Combines death protection with a savings plan. At the end of the term or upon death, an agreed sum is paid out.

Suitable for: Long-term savers, family protection and retirement planning

Endowment Life Insurance

Combines the advantages of term and whole life insurance. Provides both death protection and survival benefit.

Suitable for: Comprehensive protection for family and retirement planning

Pillar 3a - Tied Pension Provision

Private pension provision pillar 3a can be combined with life insurance and offers attractive tax benefits.

Tax Benefits of Pillar 3a

Contributions are deductible from taxable income
Employees: Up to CHF 7'056 per year (2024)
Self-employed: Up to 20% of income, max. CHF 35'280

Advantages of Life Insurance

Financial protection for family in case of death
Tax advantages with pillar 3a products
Flexible payout options
Protection in case of disability possible
Estate planning and inheritance optimization
Protection from creditor access with pillar 3a

What to Consider When Selecting

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Needs Analysis

Determine your actual insurance needs based on your family and financial situation.

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Term

Choose the term according to your life circumstances and financial goals.

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Premiums

Compare premiums from different providers and pay attention to value for money.

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Coverage Amount

The coverage amount should be sufficient to protect your family and cover financial obligations.

Life Insurance Comparison

When comparing life insurance, you should consider various factors:

Premium costs and payment methods
Contract conditions and exclusions
Flexibility for adjustments
Surplus participation and returns
Financial strength of the insurer
Customer service and advisory quality

Our Tip

Get detailed advice and compare multiple offers. Life insurance is a long-term decision that should be well thought out.

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