In Switzerland, life insurance is an important financial security measure that not only protects your family's standard of living in the event of your death, but also helps to close an income gap in retirement. HELVETICA OPTIMUM offers you tailor-made solutions in the areas of conventional and unit-linked life insurance, as well as the possibilities offered by pillar 3a and 3b pension plans.

Basic aspects of life insurance

Conventional life insurance

This classic form of life insurance offers a guaranteed benefit and fixed savings contributions. It is ideal for people who value security and expect a reliable payout.

Unit-linked life insurance

For those who are prepared to take a higher risk for potentially greater returns, unit-linked life insurance offers an investment of capital in funds. The choice of funds can be adapted to your risk appetite and financial goals.

Pension provision with pillars 3a and 3b

Pillar 3a - Tied pension provision

Pillar 3a makes it possible to provide for old age with tax advantages. Contributions can be deducted from taxable income, which results in immediate tax savings.

Pillar 3b - Free pension provision

Pillar 3b offers flexibility without the tax advantages of pillar 3a. This option is ideal for building up additional pension capital that can be used freely.

Additional benefits and options

Disability and death cover

Additional cover such as disability cover protects you and your family from financial losses due to unforeseen events. Death cover ensures that your loved ones are financially protected.

Flexible payout options

Many policies offer flexible options, such as a lifelong annuity or a one-off lump-sum payment. This flexibility allows you to customize your financial planning.

Dynamic adjustment of the sum insured

Dynamic policies allow the sum insured to be adjusted to changes in life circumstances without the need for a new health check.

Considerations when taking out insurance with a broker

The right choice of broker and regular reviews

Choosing a competent and trustworthy insurance broker like HELVETICA OPTIMUM is crucial for accessing the best insurance products on the market. A good broker knows how to filter out the optimum product from a wide range of offers that is precisely tailored to your personal and financial needs. HELVETICA OP TIMUM not only assists you in choosing the right life insurance policy, but also regularly reviews your situation to ensure that your policies remain up to date and adapt to changing life circumstances.

Advice and individual customization

As an insurance broker, HELVETICA OPTIMUM offers tailor-made advice that goes far beyond the mere brokerage of insurance products. Our experts take the time to analyze your specific needs and suggest policies that not only offer comprehensive protection but also fit your budget. This also includes advice on the dynamic adjustment options for the sum insured in order to be able to react to life events such as marriage or the birth of a child.

Tax optimization

As HELVETICA OPTIMUM has in-depth knowledge of pillar 3a and 3b tax benefits, our advisors will not only help you find tax-efficient solutions within your life insurance policies, but will work with you to plan how these fit into your overall tax strategy. By using a broker, you can ensure that you not only get the best possible protection, but also maximize tax benefits.

Selection from a wide range

An insurance broker like HELVETICA OPTIMUM works with a large number of insurers and can therefore offer a wider range of options than a single insurer. This allows customers to choose from a wider range of products and rates to find just the right one. Whether you are looking for conventional or unit-linked life insurance, HELVETICA OPTIMUM can present the offers of different insurers and explain the advantages and disadvantages of each product.

Conclusion

With HELVETICA OPTIMUM as your insurance broker, you are ideally positioned not only to be optimally insured, but also to constantly adapt your insurance policies to the dynamic demands of your life. Contact us to find out more about how we can help you plan a secure and flexible financial future.