- On maturity: equivalent of fund units on date of payment
- On death: current equivalent of fund units, with a minimum of the guaranteed capital payable on death
Make a one-off, return-oriented investment of saved capital and provide financial security for your dependants in the event of your death.
Attractive potential returns thanks to investment in PostFinance Fonds
Guaranteed capital payable on death to provide financial security for your dependants
Income-tax free withdrawals if the legal provisions are met
May be chosen freely and modified in writing at any time
Life insurance capital does not form part of the deceased’s estate, but is paid out to the beneficiary directly. Beneficiaries who are family members receive the insurance benefit even if they renounce their inheritance.
|Life insurance capital can be neither pledged nor included in a bankruptcy estate.|
|PostFinance offers life insurance as part of your private retirement savings (pillar 3a/3b) in cooperation with AXA Winterthur.|
With life insurance policies offered in cooperation with AXA Winterthur, policyholders enjoy privileged protection. Insurance companies are obliged to cover claims under life insurance policies at all times as these are regarded as tied assets. If AXA Winterthur were to become insolvent, securities (mathematical reserve and surplus share) from ongoing contracts would primarily be transferred to another insurance company which would take over responsibility for continuing the policies. If no transfer to a new insurance company takes place, the entitled persons receive the contractually guaranteed redemption value. Insurance companies are subject to supervision by the Swiss Financial Market Supervisory Authority (FINMA), which ensures the solvency of insurers and protects insured persons against abusive practices.