If the insured person dies, the beneficiaries of a risk life insurance, or term life insurance, receive a capital benefit. This can be used, for example, to cover life partners, who are less protected by the state than spouses. Families can prevent financial bottlenecks and, for example, ensure that they can stay in their own home, even after a stroke of fate.
Yes. With Zurich's "LifeRisk" term life insurance, you can freely choose the amount and duration of the risk cover and thus adapt it to your individual needs. In addition, Zurich offers a disability pension. This protects you against the financial consequences of disability and covers you if you are no longer able to work as before after an accident or illness. Our online product "LifeProtect direct" is a pure term life insurance solution that is easy to take out online, and which can be renewed annually.
Within the framework of the unrestricted pension plan (pillar 3b), you can name anyone you wish to cover as a beneficiary, regardless of the legal succession. This can even be a life partner. In the case of restricted pension plan (pillar 3a), the beneficiary regulations are largely defined by law.
With risk life insurance, you can secure a lump-sum death benefit, which will be paid out if anything should happen to you. This way, you can protect your family and your children from the financial consequences of a stroke of fate and ensure, for example, that the family can remain in their accustomed surroundings.
Disability insurance protects you and your family against the risk of loss of earnings if you are no longer able to work at all or only partially after an accident or due to illness. A pension is paid out, as a result of illness and/or accident, after an agreed waiting period.
Disability is deemed to exist if the insured person is temporarily or permanently no longer able to exercise his or her profession or another reasonable activity due to illness, an accident or infirmity. If the insured person becomes incapable of work during the agreed insurance term, the insurance company will pay the agreed disability pension in accordance with the contractual conditions.
Whether benefits are paid from the first and/or second pillar after a death depends on various factors. Even if benefits are paid from both pillars, together they are usually noticeably lower than the previous income. With risk life insurance, you can close this gap – so that if the worst comes to the worst, you don't have to worry about money on top of the emotional pain. An individual consultation is worthwhile.
If something should happen to you, your life partner has no legal claim to a share of your inheritance. Furthermore, he or she will not receive any benefits from the OASI. Even pension funds only pay benefits under certain circumstances. This makes it all the more important to take out private coverage in the form of a risk life insurance.
If something should happen to you, your life partner has no legal claim to a share of your inheritance. Furthermore, he or she will not receive any benefits from the OASI. Even pension funds only pay benefits under certain circumstances. This makes it all the more important to take out private coverage in the form of a risk life insurance.
Are you the owner or a partner of a company whose success is heavily dependent on certain individuals? It costs very little for business partners to provide for each other's security and ensure the company's continued existence if the worst comes to the worst. An individual consultation is worthwhile.
