Life insurance savings

For early retirement planning

With a life insurance savings plan, you guarantee financial security for your dependants in the event of your death. You have the choice between the index-linked mixed life insurance “Protect Plan” and the “SmartFlex pension plan”. With the SmartFlex pension plan (pillar 3a/3b), you save in a yield-oriented, individual way and with the appropriate risk protection for old age. Adapt your pension plan flexibly – to current and future life situations.

Life insurance savings: close gaps in retirement provision

  • Retirement provision as a supplement to pillars 1 and 2

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

  • Possibilities for tax optimizations

  • Optional premium waiver in the event of incapacity to work

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

  • Various death benefit options for the financial protection of your family members

  • 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
  • benefits

    The SmartFlex pension plan offers retirement provision, tax savings and protection at the same time. With the SmartFlex pension plan, premiums are divided into a compensating balance and an income-earning asset according to your investor profile. The compensating balance is subject to a fixed interest rate and the earning asset correlates to the capital invested in equity funds. You have a choice between different areas of investment.

    Areas of investment

    With the SmartFlex pension plan, you have the opportunity to decide for yourself in which areas your financial asset will be invested on a yield-oriented basis. The investment areas allow you to choose an investment according to your personal preferences. The investment areas each include a mutual fund with 100% equities, are broadly diversified and denominated in Swiss francs. Particularly in the case of a longer investment horizon, and taking into account your risk profile, a higher share of equity would be appropriate as temporary price fluctuations are less significant. The return on these funds is automatically reinvested. In this way you benefit from the compound interest effect.

    • Investment area dividends
    • Investment area global
    • Investment area sustainability

    Advantages

    • Tax-privileged and return-oriented pension plan
    • Flexible choice of premium split between compensating balance and income-earning asset
    • Choice of safety options
    • Choice of coverage for the risks of death and occupational disability
    • Choice of investment theme and sustainable investments: do some good with your money
    • Low investment costs
  • 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.

  • With life insurance policies offered in cooperation with AXA, 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 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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