Risk protection

How are you and your family protected if the unexpected should happen? Risk insurance provides financial security for you and your family if you are unable to work due to illness or accident, as well as in the event of your death.

Benefits
	Protection for you and your family
	Protection: illness, accident, death
	Free choice of the insured sum
	Personal pension consultation

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Life risk insurance

Risk insurance, such as death benefits insurance or income protection insurance, is important in Switzerland to guarantee financial security. Death benefits insurance protects your family from financial difficulties in the event of your death, while income protection insurance safeguards your standard of living in the event of illness or accident.

Insurance at a glance

Death benefits

Protection for your family in the event of your death

Paid directly to your beneficiaries

Free choice of sum insured

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Loss of earning capacity

Income protection in the event of illness or accident

Individual choice of pension amounts

Option to choose individual waiting periods

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Product Finder

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Life Product Finder

Insurance in detail

Death benefits

Loss of earning capacity

In brief

Protection for your family in case of your death

Paid directly to your beneficiaries

Free choice of sum insured

Guaranteed premium during term of your contract

Death benefits insurance
Our death benefits insurance allow you protect your family or business partners with a lump sum death benefit. The lump sum death benefit will be paid out directly to the beneficiaries, whatever happens. You choose the insured sum. You can also choose to add insurance for premium exemptions or a pension for loss of earning capacity.

Why should I choose this solution?
Death benefits insurance allows you to provide financial security for your family or business partners.

In brief

Protection in the event of illness or accident

Covers gaps in social insurance

Choice of pension amounts

Protected even in case of loss of earnings

Income protection insurance
With income protection insurance, you can protect yourself against loss of earnings if you’re no longer able to work due to an illness or accident. Around 80% of cases of loss of earning capacity are due to illness. In this case, the compulsory social benefits such as the IV pension usually only cover 60% to 70% of your income.

You can choose whether you want to insure the risk of illness alone, or whether you want to insure illness and accident in combination.

Why should I choose this solution?
With income protection insurance, you provide financial security for yourself and your family if you’re no longer able to work due to an illness or an accident.

Pension calculator Personal pension analysis online.

Which pension solution is right for your personal life circumstances? With our pension calculator, you can analyse any gaps in your pension coverage directly online in just a few minutes. Try it now and start your analysis. Free of charge, with no strings attached.

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Questions and answers

If an insured person dies, death benefit insurance pays a predetermined sum to their family. This makes sure relatives have financial security.

It is worth taking out death benefits insurance if you want to protect your family financially. It helps to cover debts or ongoing costs.

You can find more information in the interview on death benefits insurance with our pensions expert.

Death benefits insurance only pays out in the event of the death of the insured person. Life insurance often offers additional savings and pension options.

The premium depends on the person’s age and state of health as well as the insured sum and fixed term of the policy.

Income protection insurance pays you a monthly pension if your income is lost in whole or in part due to illness or accident.

It protects against loss of income and ensures that you remain financially secure if you are unable to work. The AHV or IV pension often only covers part of your previous salary, so income protection insurance helps to close the gap and ensure you can continue to maintain your usual standard of living.

In our article, we explain how well protected you’ll be in the event of loss of earning capacity or disability.

The costs depend on the person’s age, occupation and state of health as well as the sum insured (amount of the desired pension) and the selected term. A higher health risk usually increases the premium.

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

Risk protection

Life risk insurance

Insurance at a glance

Death benefits

Loss of earning capacity

Product Finder

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

Insurance in detail

In brief

In brief

Questions and answers

What is death benefits insurance?

When is it a good idea to take out death benefits insurance?

What is the difference between death benefits insurance and life insurance?

How is the premium for death benefits insurance calculated?

What is income protection insurance?

How important is income protection insurance?

How much does income protection insurance cost?

What are the benefits of a Generali consultation?