Life insurance savings

For early retirement planning

With a life insurance savings plan, you guarantee the financial security of your dependants in the event of your death. You have the choice between an index-linked mixed and a unit-linked life insurance plan.

We’ll give you CHF 300

If you sign up for a periodically financed capital-growth life insurance plan with an insurance amount of at least CHF 20,000, you will receive CHF 300 on your private account at PostFinance. The offer is valid until 31 October 2017. The payment will be made once per customer only.

Promo

Life insurance savings: close gaps in retirement provision

  • Retirement provision as a supplement to pillars 1 and 2

  • Guaranteed capital payable on death to provide financial security for your dependants

  • Variations in fixed or flexible retirement savings (pillar 3a/3b)

  • Optional premium waiver in the event of incapacity to work

  • Regular premium payments: monthly, quarterly, half-yearly or annually

  • Services

    • On maturity: guaranteed capital payable on maturity plus accumulated bonus if applicable
    • On death: guaranteed capital payable on death (constant or with annual increase) plus previously accumulated bonus if applicable
    • Optional: premium waiver in the event of incapacity to work

    Advantages

    • Reach your savings goal thanks to guaranteed minimum interest
    • Guaranteed capital payable on death to provide financial security for your dependants
    • Additional attractive potential returns by participating in the positive performance of an index (index-linked bonus)
    • Pillar 3a with tax privileges or pillar 3b
  • Services

    • 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

    Advantages

    • Attractive potential returns thanks to investment in PostFinance Fonds
    • Option to change fund throughout the insurance term
    • Guaranteed capital payable on death to provide financial security for your dependants
    • Optional: premium waiver in the event of incapacity to work
    • Pillar 3a with tax privileges or pillar 3b
  • Financial security

    Financial security or financing home ownership

    Beneficiary clause

    Pillar 3a: in accordance with statutory provisions
    Pillar 3b: may be chosen freely and modified in writing at any time  

    Privileged inheritance status

    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

    Privileged protection

    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.

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