Life insurance
Protect your future
A death or a earning incapacity can upset a family's financial stability. L'life insurance allows you to protect your loved ones by guaranteeing a capital sum or annuity to maintain their standard of living and cover ongoing financial commitments, such as a mortgage.
With the right coverage, you can ensure the security of your loved ones and the continuity of your projects, even if the unexpected happens.
Every situation is unique: young parents, homeowners, the self-employed or future retirees. We analyze your needs (family protection, estate planning, retirement provision) to build a customized plan that matches your objectives and your budget.
As a independent firmWe have access to all Swiss insurance companies. We compare premiums, benefits and options to find the best, clearest life insurance deal for you.
Your needs change over time: marriage, birth, property purchase or preparation for retirement. We adjust your policy to reflect these stages of your life, and remain on hand to provide you with lasting advice in a relationship based on trust.
How we help you choose life insurance
Invexa can help you assess your future needs, optimize your assets and define a clear, personalized strategy.
01
Contact us
Contact us via our contact form or call us at your convenience.
02
We analyze your needs
A dedicated advisor will analyze your file and arrange a meeting with you to suggest suitable products.
03
Receive your offers
Once we've identified your needs, we'll send you several offers that match your objectives.
04
Subscribe
Choose the offer that best suits your needs. Our team will be happy to assist you throughout the process.
- 4 good reasons to subscribe
Why life insurance?
Life insurance offers many advantages and can be adapted to every stage of your life.
Protect your loved ones
In the event of death, it provides a lump-sum payment to loved ones, ensuring their financial security and standard of living.
Benefit from tax advantages
Depending on the life insurance contract, there are numerous tax advantages, such as tax exemption on withdrawal, deduction of 3a payments, and much more.
Build up your savings
Choose a combined policy for death protection and a savings or investment component, offering a dual function: protection for the family and building up capital for future projects.
Plan your succession
Life insurance makes it easier to pass on your estate by allowing you to designate beneficiaries directly, which can avoid inheritance disputes.
Frequently asked questions about life insurance
Here are the answers to the most frequently asked questions about health insurance in Switzerland.
Life insurance can be taken out under Pillar 3a or Pillar 3b.
Protection for family and friends To guarantee capital or annuities to beneficiaries in the event of death, in order to maintain their standard of living, repay debts or finance education.
Preparing for retirement An endowment or unit-linked life insurance policy can be used to save for retirement, while offering protection in the event of death.
Coverage against incapacity for work Certain life insurance policies can be taken out to protect against loss of income due to incapacity for work caused by illness or accident.
Tax optimization : Some life insurance policies, such as those linked to the 3rd pillar A (individual pension pillar), are tax-advantaged in Switzerland.
Life insurance is an insurance contract that allows you tosave money and/or financial protection for yourself and your loved ones in the event of death or disability. It is often used for pensionestate planning and tax optimization.
In Switzerland, life insurance offers tax benefitsin particular when they are subscribed within the framework of the 3rd pillar A (individual benefits).
Premiums paid are deductible of taxable income up to CHF 7,258 / year for employees and up to 20% of net income (capped at CHF 36,288 / year) for self-employed people. What's more, the capital you save is not taxed as part of your assets as long as it remains in the 3A account. Capital is only taxed on withdrawal, at a reduced rate.
In Geneva and Fribourg, contributions to a Pillar 3B insurance plan are tax-deductible.
- In Geneva: up to CHF 2,232 / year for a single person, 3'348 for a married couple (+913 CHF per child)
- In Fribourg: CHF 750 / year for one person, and CHF 1,500 for a married couple
- Pure risk life insurance (death) Fixed term (5 to 30 years), ends at death or maturity.
- Combined life insurance (savings + protection) : Often between 10 and 30 yearssometimes until retirement.
- Linked 3rd pillar (3a) Up to retirement age (64-65 years), with early withdrawal possible under certain conditions.
- Free 3rd pillar (3b) More flexible, often between 5 and 30 years.
- Life insurance with investment : Generally 10 to 30 yearsbut depends on the investment.
- Life insurance : À lifewith annuity payments until death.
The cash surrender value of a life insurance policy corresponds to the amount that the policyholder can recover if he or she decides to cancel the policy before maturity. It is mainly applicable to life insurance policies with a savings componentsuch as endowment or investment-linked life insurance.
The cash surrender value of a life insurance policy corresponds to the amount that the policyholder can recover if he or she decides to cancel the policy before maturity. It is mainly applicable to life insurance policies with a savings componentsuch as endowment or investment-linked life insurance.
When a policyholder takes out life insurance, he or she must choose a premium payment method. There are two main options annual bonus and the single premium.
The annual premium is a payment method where the insured pays his premium every yearfor an amount fixed in the contract. The single premium corresponds to a payment made in only once at the start of the contract. In this way, the policyholder pays the full cost of the life insurance policy from the outset.
The life insurers guarantee fixed benefits and premiums over a long period (20 to 30 years). To ensure this stability, they adopt a safety margin by overestimating costs and underestimating returns. When management is more favorable than expected surplus are generated:
- Risk premiums : Fewer claims than forecast.
- Savings bonuses : Better investment performance.
- Expense premiums Actual costs lower than estimated.
Surplus earnings can be redistributed to the customer, but this participation is not guaranteed and depends on the insurer's financial results. Once paid out, surpluses belong to the customer and cannot be taken back.
Types of life insurance in Switzerland
Life insurance in Switzerland comes in a variety of forms, depending on the policyholder's needs: protection against premature death, disability or building up capital for retirement.
Life insurance
Death risk insurance is one of the most common forms of insurance. It guarantees the lump-sum payment to the beneficiaries in the event of the insured's death during the period covered by the policy.
It can be taken out on a single headwhere only one person is protected, or on two headsIn this case, the capital is paid to the survivor in the event of the death of one of the insured parties. There are also variants based on the amount insured: constant capital, where the amount remains the same throughout the contract, and decreasing capital, where the capital gradually decreases, often in conjunction with a mortgage.
Disability insurance
Disability insurance covers risk of loss of income due to a accident or a disease. If the insured becomes unable to work, he or she receives a pension after a defined waiting period. This pension is calculated on the basis of the degree of disability and ceases when the insured regains earning capacity or reaches retirement age.
This type of insurance is particularly useful for the self-employed, who do not benefit from second-pillar coverage, as well as for employees who wish to complete their disability benefits.
Capital insurance
Capital insurance, also known as savings insuranceThese products combine financial protection with a long-term savings strategy. Insurance in the event of survival guarantees the payment of a lump sum to the insured if he/she is still alive at the policy maturity date. In the event of death before this deadline, the beneficiaries receive at least the full amount of the premiums saved.
Life insurance mixedcombines savings and protection: in the event of life, the policyholder receives a lump sum, and in the event of death, the beneficiaries receive an amount defined in the contract.
Life insurance linked to a investment funds offers the potential for higher returns than traditional insurance, since savings are invested on financial markets. The policyholder chooses the funds in which he or she wishes to invest, thereby accepting a higher risk in exchange for greater potential gains. However, unlike conventional insurance, the insurer does not guarantee a minimum capital sum at contract maturity.
Life annuities
Lastly, old-age or life annuities are designed to ensure a steady income for the future. stable income after retirement. They can be immediate, when the annuity begins as soon as the policy is taken out, after payment of an annuity. single premiumor deferred, when the policyholder contributes for several years before drawing his or her pension.
They can be paid for life or for a period of determinedIn some cases, the remaining capital is returned to the heirs in the event of premature death.
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