Securing Your Family

Vision Partners

Securing Your Family

Comprehensive Consultation Before Purchasing Life Insurance in Pillar 3a or 3b

We advise seeking thorough consultation from a qualified insurance advisor before purchasing life insurance in Pillar 3a or 3b. Our experts are available to ensure that the insurance meets your individual needs and provides adequate protection against disability.

Why a Retirement Analysis is Importan

Personal Needs: Everyone has different financial goals and life circumstances. A retirement analysis allows us to understand your individual needs and develop a tailored solution for your life insurance.
Disability Protection: Protection against disability is an important aspect of life insurance. Through a thorough analysis, we can ensure that your insurance coverage is sufficient to secure you in the event of permanent disability.

Why a Personal Meeting is Important:

A personal meeting allows us to better understand your individual situation and address your questions and concerns. We can help you understand the various options and make the best decision for your financial future. Do not hesitate to schedule an appointment for a retirement analysis with us. We are available with our expertise and experience to ensure that you are optimally prepared for your future.

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Disability Pension

The disability pension is an important insurance that provides financial protection if a person can no longer work permanently due to illness or accident. In Switzerland, this insurance can either be taken out separately or integrated as part of life insurance in Pillar 3a or 3b.

Coverage

The disability pension provides financial compensation if you can no longer work due to illness or accident. The benefits vary depending on the contract but usually include a regular pension payment.

Requirements

To be eligible for the disability pension, certain conditions must be met, which are specified in the insurance terms. These often include medical examinations and confirmation of permanent disability by a doctor.

Benefit Period

The pension is usually paid until the regular retirement age or until recovery, depending on the provisions of the insurance contract.

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Life Insurance in Pillar 3a and 3b

Integration of Disability Pension

Life insurance in Pillar 3a and 3b can be designed to provide not only retirement benefits but also disability coverage. This allows you to plan for retirement while securing against the risk of disability.

Tax Advantages

Contributions to life insurance in Pillar 3a can be deducted from taxable income, providing tax benefits. The payouts at retirement are tax-favored. In Pillar 3b, there are also tax advantages, although they are subject to specific regulations.

Customizable

Life insurance in Pillar 3a and 3b can be customized to meet your personal needs and goals. This includes the contribution amount and the selection of benefits, such as the disability pension.

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Death Insurance

Coverage

Death insurance provides financial security for your family in the event of your death. The insured sum is paid out as a capital amount or annuity to the designated beneficiaries to cover financial obligations such as mortgages, family support, or funeral costs.

Option in Pillar 3a or 3b

Death insurance can be taken out as part of life insurance in Pillar 3a or 3b. This offers tax benefits, as the contributions are tax-deductible and the payouts in the event of death are tax-favored.

Requirement for Mortgages

Banks often place great importance on borrowers having death insurance to secure the affordability of a mortgage. Such insurance gives the bank the assurance that in the event of your death, the mortgage can continue to be serviced without causing financial hardship to your family.

Requirements

The insured sum and the term of the death insurance are individually determined and depend on your personal needs and financial circumstances.

Our Service for Your Protection

At Vision Partners GmbH, we offer comprehensive advice and planning to best secure your family and yourself. We create a customized retirement plan tailored precisely to your needs. Our experts analyze your situation and calculate what happens if you can no longer work due to illness or accident or if your family needs to be secured in the event of your death.

Let’s Shape Your Financial Future Together

Our task is to provide you with the best strategies and solutions so that you can achieve your dreams and goals. Trust Vision Partners GmbH – with us, you and your family are in the best hands. For more information and to take advantage of our service, please use our contact form below. Let’s plan and ensure your financial security together.