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Life insurance
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+10,000 users
trust us
95% of our clients
recommend us
100% Free
and no commitment
Capital protection
Secure your savings
Tax advantages
Tax deductions
Family protection
Protect your loved ones
Discover life insurance in video
Our expert explains everything you need to know about life insurance and the third pillar (3a) in Switzerland.
5 min
What is life insurance?
Life insurance in Switzerland is a financial product that combines savings and protection. It lets you build up capital for your retirement while protecting your loved ones in the event of death or disability.
The types of life insurance
There are different types of life insurance in Switzerland:
- • Pure-risk life insurance: protection in the event of death only
- • Mixed life insurance: a combination of savings and protection
- • Fund-linked life insurance: savings invested in funds
The third pillar (3a) explained
The third pillar is a private pension system in Switzerland. It complements the 1st and 2nd pillars (AVS and LPP) to ensure a comfortable standard of living in retirement.
Pillar 3a vs Pillar 3b
- • Pillar 3a (tied): tax-deductible, capped amount, limited withdrawals
- • Pillar 3b (flexible): no tax deduction, no contribution limit, free withdrawal
Who needs life insurance?
Life insurance is particularly recommended for:
- • Families with dependent children
- • Property owners (mortgage cover)
- • Entrepreneurs and self-employed people
- • Anyone wishing to optimise their taxes
How to choose your life insurance?
To choose the right life insurance, assess your protection and savings needs, compare the returns offered and check the surrender conditions.
The tax advantages
Contributions to pillar 3a are fully deductible from your taxable income, up to the annual ceiling.
Up to CHF 7,056 in deductions per year
For employees affiliated with a pension fund (2024)
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