{"id":1632,"date":"2021-10-09T16:59:27","date_gmt":"2021-10-09T15:59:27","guid":{"rendered":"https:\/\/ajooda.ch\/en\/?p=1632"},"modified":"2022-10-03T16:38:45","modified_gmt":"2022-10-03T15:38:45","slug":"what-is-life-insurance","status":"publish","type":"post","link":"https:\/\/ajooda.ch\/en\/what-is-life-insurance\/","title":{"rendered":"What is life insurance in Switzerland"},"content":{"rendered":"\n<p>Life insurance offers protection against risks such as disability and death, and lets you <a href=\"https:\/\/ajooda.ch\/en\/online-tax-return-in-switzerland\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"save on taxes (opens in a new tab)\">save on taxes<\/a> while your retirement capital continues to grow through compound interest.<\/p>\n\n\n\n<p>Some people\nthink that life insurance must be expensive because it offers so much.<\/p>\n\n\n\n<p>The truth is that only a small portion of your monthly savings goes towards insurance fees. Most of the capital you pay in continues to belong to you and will grow steadily through compound interest.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does life insurance make\nsense?<\/h2>\n\n\n\n<p>With a single life insurance policy you can cover several needs at once.<\/p>\n\n\n\n<p>How do I\nbenefit from life insurance?<\/p>\n\n\n\n<ul><li>If something should happen that prevents you from working (disability), you are protected against loss of earnings.<\/li><li>Family and survivors are financially protected in case of death.<\/li><li>Annual <a href=\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/\" target=\"_blank\" rel=\"noreferrer noopener\">tax savings of CHF 1000-2500<\/a> are possible.<\/li><li>The insurance company can continue to pay the premiums for you (premium waiver) if you are unable to pay for a while.<\/li><li>Inheritance privilege: The descendants inherit the capital of the life insurance even if the insured is in debt.<\/li><li>Privilege under debt collection law: The family comes first! If property is pledged, the capital in the life insurance policy remains with the family. No one can take it away from you.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Which life insurance is\nthe best?<\/h2>\n\n\n\n<p>Life\ninsurance policies are incredibly diverse. The best life insurance policy can be\ncustomised according to your needs.<\/p>\n\n\n\n<p>Even if a\ntrip abroad or emigration is planned, no problem.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"650\" height=\"250\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/02\/Freedom2.jpg\" alt=\"\" class=\"wp-image-1162\" srcset=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/02\/Freedom2.jpg 650w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/02\/Freedom2-300x115.jpg 300w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/02\/Freedom2-130x50.jpg 130w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What types of life\ninsurance are there?<\/h2>\n\n\n\n<p>There are 2\ntypes of life insurance.<\/p>\n\n\n\n<p>Term life\ninsurance, which is divided into death and disability insurance, and endowment\nlife insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Term life insurance<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Death benefit insurance<\/h3>\n\n\n\n<p>Payment of\ninsured capital in the event of death.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Disability insurance<\/h3>\n\n\n\n<p>In the\nevent of disability due to illness, the insured person continues to receive a\nsalary so that he or she does not have to live on welfare at subsistence level.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Endowment life insurance<\/h2>\n\n\n\n<p>Endowment life insurance combines risk protection (see above) and savings. <a href=\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/\" target=\"_blank\" rel=\"noreferrer noopener\">The contributions are saved in the form of the 3rd pillar and earn interest.<\/a><\/p>\n\n\n\n<p>You can\nchoose whether you want to receive a fixed rate of interest or profit from\nreturn opportunities (higher risk, but much higher return).<\/p>\n\n\n\n<p>Young\ninsured persons in particular usually choose the chance of return, since such a\nlong investment horizon usually results in much more capital for the insured\nperson.<\/p>\n\n\n\n<p>More and\nmore people are choosing this form, also called mixed life insurance, because\nit can be used in so many ways.<\/p>\n\n\n\n<p>At the end\nof the insurance period, such an enormous capital is built up through compound\ninterest, which would never be possible by saving alone.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pillar 3a vs Pillar 3b<\/h2>\n\n\n\n<p>Payments\ninto life insurance can be made via pillar 3a or pillar 3b (e.g. if you move\nabroad).<\/p>\n\n\n\n<p><a href=\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/\" target=\"_blank\" rel=\"noreferrer noopener\">The maximum contribution for Pillar 3a 2021 is CHF 6,883<\/a> for employed persons and CHF 34,416 for self-employed persons.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Differences between pillar\n3a and pillar 3b<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#e7f5fe\"><tbody><tr><td>\n  <strong>Pillar 3a<\/strong>\n  <\/td><td>\n  <strong>Pillar 3b<\/strong>\n  <\/td><\/tr><tr><td>Only employed persons can pay in    <\/td><td>Anyone can pay in   <\/td><\/tr><tr><td>Maximum contributions prescribed   <\/td><td>Can pay in as much as you want   <\/td><\/tr><tr><td>Income tax on payout:<br>&#8211; Payment of entire capital at lower tax rate<br>&#8211; Pension payout = normal tax rate<\/td><td>No income tax on payout (except for   lump-sum death benefits)   \u00a0   <\/td><\/tr><tr><td>3a does not count as wealth = no wealth tax   <\/td><td>3b counts as wealth   <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">How much is compound\ninterest?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Example 1: CHF 200 savings\ncontribution<\/h3>\n\n\n\n<p><strong>Normal\nsavings<\/strong><\/p>\n\n\n\n<p>You put\naside only CHF 200.- every month for 30 years. <strong>Result: CHF 72,000<\/strong><\/p>\n\n\n\n<p><strong>Life\ninsurance<\/strong><\/p>\n\n\n\n<p>How much of\nthe premium goes towards the insurance benefit varies from person to person. For\nthe sake of simplicity, let&#8217;s assume that 20% of the premiums paid in are used\nfor the insurance benefit.<\/p>\n\n\n\n<p>Life\ninsurance 30 years, savings contribution of CHF 200.-, with an interest rate of\nonly 3%. <strong>Result: CHF 93,000.-<\/strong> and you would have been covered against\nall risks for the entire term of the contract.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Example 2: CHF 573.-\n(maximum savings contribution)<\/h3>\n\n\n\n<p><strong>Normal\nsavings<\/strong><\/p>\n\n\n\n<p>Again 30\nyears, but maximum permitted Pillar 3a savings contribution of CHF 573.- <strong>Result:\nCHF 206,280.-,<\/strong> not bad.<\/p>\n\n\n\n<p><strong>Life\ninsurance<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/\" target=\"_blank\" rel=\"noreferrer noopener\">With life insurance, again with 20% insurance fee and 3% interest. <strong>Result: CHF 266,000<\/strong>, even though you were completely covered for 30 years and never had to worry about any finances.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">In summary<\/h2>\n\n\n\n<p>Life\ninsurance can be seen as a kind of forced savings.<\/p>\n\n\n\n<p>Not only\ndoes it ensure that you and your family have no financial worries for the\nentire duration of the contract, but it also ensures that you have enough\ncapital for a relaxed life in old age.<\/p>\n\n\n\n<p><strong>Sounds interesting, but you are not yet sure whether a life insurance policy would be worthwhile for you?<\/strong><\/p>\n\n\n\n<p>Get in touch with us and we will explain in detail why you should never be without a 3rd Pillar in switzerland<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Life insurance offers protection against risks such as disability and death, and lets you save on taxes while your retirement capital continues to grow through compound interest. Some people think that life insurance must be expensive because it offers so much. The truth is that only a small portion of your monthly savings goes towards [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1159,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[137,10],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is life insurance in Switzerland | ajooda.ch| Your digital finance platform<\/title>\n<meta name=\"description\" content=\"Life insurance offers protection against risks such as disability and death, and lets you save on taxes while your retirement capital continues to...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ajooda.ch\/en\/what-is-life-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is life insurance in Switzerland | ajooda.ch| Your digital finance platform\" \/>\n<meta property=\"og:description\" content=\"Life insurance offers protection against risks such as disability and death, and lets you save on taxes while your retirement capital continues to...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ajooda.ch\/en\/what-is-life-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"ajooda AG | Tax return, Company formation &amp; 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