Pensions and savings

Find the right savings and pension solution for you. This allows you to save under pillar 3 while providing financial security for yourself and your loved ones.

Benefits
	Saving with tax advantages
	Protection for you and your family
	Personal pension plans
	Personal pension consultation

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Savings and provident insurance

Build up your own savings capital under pillar 3. You can use it after retirement or for larger purchases and dreams. You can structure the pension solution so that you, your family or other relatives receive financial support. Let our experts advise you how to do this.

Insurance at a glance

Provident insurance

Save under a pillar 3a, 3b or combined account

Financial protection for you and your family

3 variants to choose from: Scala, Performa, Flex

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Provident insurance package

Saving under a pillar 3a, 3b or combined account

Financial protection for your loved ones

We save for you in the event of loss of earning capacity

See details

Pillar 3a Flex

Save under pillar 3a

Pay in flexibly

We save for you in the event of loss of earning capacity

See details

Insurance plan for children

Save under pillar 3b for your child

The right investment plans for you

Can be combined with risk cover and cyber insurance

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Product Finder

Answer just five questions and find out which provident insurance suits you best. Simple and straightforward.

Life Product Finder

Comparison of savings and provident insurance

	Provident insurance	Provident insurance package	Pillar 3a Flex	Insurance plan for children
As a pillar 3a, 3b or combined	x	x	3a only	3b only
Lump sum benefits in the event of death	Scala: included Performa: not included Flex: included	x		x
Assumption of premiums in the event of loss of earning capacity	Scala: optional Performa: included Flex: optional	x	x	optional
Pension for loss of earning capacity	optional	x		optional
Lump sum benefit for critical illness		x
Cyber insurance				optional
No premium increase guarantee	x	x

Insurance in detail

Provident insurance

Provident package

Pillar 3a Flex

Insurance plan for children

Investment plans

In brief

3 variants to choose from

Save under a pillar 3a, 3b or combined account

Protection for your family

Individual supplementary benefits

Provident insurance
We have three variants for you to choose from: Scala, Performa and Flex. So you can simply select the insurance variant that best fits your needs. All three provident insurance variants are combined unit-linked life insurance policies. They include a savings portion and risk cover. Depending on your needs, the focus is either more on saving or more on protection.

Why should I choose this solution?
With provident insurance, you choose the insurance with a focus that suits your needs. No matter whether you’re primarily saving for your future or want to provide financial security for your family. The flexible solutions offer you the right level of security. You’ll also reach your personal savings goal.

In brief

Save under a pillar 3a, 3b or combined account

Protection for your family in the event of death

We save for you if you lose earning capacity

Pension for loss of earning capacity

Payout for critical illness

Provident insurance package with package bonus
The provident insurance package is a unit-linked life insurance policy. It combines saving with all-round comprehensive cover for you and your family. You can save under pillar 3a or 3b. In the event of loss of earning capacity, we will continue to pay your premium for you. This means you’ll still reach your savings target even if you’re no longer able to work due to illness or an accident. You will also receive a lump-sum benefit in the event of a critical illness. Protection in the event of death is also included.

Why should I choose this solution?
This pension solution protects you in every situation in life. You also benefit from a 10% discount on the premium for the pension for loss of earning capacity throughout the entire term of the contract.

In brief

Saving under pillar 3a

Flexible payments

We save for you if you lose earning capacity

Large choice of investment plans

Pillar 3a Flex
Our pillar 3a Flex plan allows you to put money aside for retirement while also saving on taxes. Track your investment performance or make payments from anywhere via our customer portal. You can pay as much as you want, when you want. Plus, you profit from our savings contribution: In the event that you experience loss of earning capacity, we pay up to CHF 3,000 into your pillar 3a each year.

Why should I choose this solution?
With pillar 3a Flex, you can benefit from tax advantages. It is suitable as a supplement to your pension solution or as a stand-alone pillar 3a solution.

In brief

Save under pillar 3a for your child

The right investment plans for you

Can be combined with risk cover

Can be combined with cyber insurance

Insurance plan for children
This insurance plan is much more than just cover to protect your children. It consists of three modules that can be combined individually: savings, risk cover and cyber insurance. This way, you can both save for your children’s future and protect them from the financial consequences of illness or accident. You can also protect your child from risks on the internet.

Why should I choose this solution?
With an insurance plan for children, you enable your child to have a good financial start in adulthood.

In brief

Greater security thanks to broad risk distribution

Solutions adjusted to suit your risk profile

Wide choice of investment plans

Professional asset management

Investment plans
With us, you can use the savings premium of your unit-linked life insurance policy to invest. You can choose between different investment plans – classic or sustainable – depending on what suits you best. You also decide how high the proportion of shares should be. That depends on how much risk you are willing to take and how high you want your potential returns to be. Our experts actively manage your investments so that you achieve the best possible returns.

Why should I choose this solution?
Our investment plans provide you with first-class investment solutions to suit different needs. This is done with professional support from experts – for maximum potential returns and broad risk diversification.

Questions and answers

Provident or life insurance is a sensible way to provide financial security for your family. They also help with long-term saving and building capital.

Provident and life insurance under pillar 3a are tax-privileged and fixed until you retire. With pillar 3a, you save taxes every year, but you can only withdraw the money in certain situations before retirement. For example, if you become self-employed, buy a property to live in or emigrate.

There’s more freedom under pillar 3b. You can withdraw the money at any time. However, you only benefit from tax advantages on payout. Your entire balance, including all income, is tax-free upon payout.

Summary: Pillar 3a offers tax advantages and is more strictly regulated. Pillar 3b offers more flexibility, but the money paid in is generally not tax deductible.

Here you’ll find everything you need to know about Switzerland’s 3-pillar system and how to make the right provisions for the future.

The amount should be appropriate for your own life situation. It should be high enough to maintain your standard of living in retirement. And high enough to ensure the financial security of your loved ones.

A children’s insurance plan combines savings and financial protection. It helps you put money aside for your child, for example for their education. It also provides financial protection in the event of loss of earning capacity due to an accident or illness.

In this interview, our pensions expert explains why it’s a good idea to take out children’s insurance.

Payments into the pillar 3a can be deducted from your taxable income. This allows you save on taxes. Payouts from your pillar 3a account are taxed separately from other income at a separate and reduced tax rate.

Life insurance contributions are invested in funds to increase the capital. This kind of policy is suitable for people who are willing to take higher risks and who are looking for the possibility to grow their capital.

How your insurance is taxed depends on whether you’re taking out insurance as part of a pillar 3a or 3b account. A distinction is also made between money paid in and money paid out:

	Pillar 3a	Pillar 3b
Tax deductions when you pay in	The payments made into your account can deducted from your taxable income up the legal maximum.	No deductions possible.
Tax deductions when you receive a payout	When you withdraw your money, it is taxed separately from your other income at a reduced rate.	Payouts are tax-free. The surrender value of the insurance policy must be taken into account.
Tax treatment of capital growth	Exempt from income tax Exempt from withholding tax Exempt from wealth tax	Partially exempt from income tax Subject to withholding tax Subject to wealth tax

Our expert advisors will help you to find the perfect insurance coverage in every phase of life. If you have a specific question about an insurance policy, we will answer it quickly and expertly.

If you would like a better understanding of your overall situation, we will work with you to analyse your needs and goals. We will recommend the right solutions for your insurance coverage and your financial security.

The advice is free of charge, with no strings attached. You choose the time and place.

Discover all the benefits of a consultation

Pensions and savings

Savings and provident insurance

Insurance at a glance

Provident insurance

Provident insurance package

Pillar 3a Flex

Insurance plan for children

Product Finder

Would you like to insure a person or a loan / mortgage?

Comparison of savings and provident insurance

Insurance in detail

In brief

In brief

In brief

In brief

In brief

Questions and answers

Who is provident or life insurance suitable for?

What is the difference between pillar 3a and 3b life insurance?

How high should the insured sum be on a provident or life insurance policy?

What is the insurance plan for children and what are the advantages?

What tax advantages does pillar 3a offer?

What is a unit-linked life insurance policy?

How is provident or life insurance taxed in Switzerland?

What are the benefits of a Generali consultation?