Make sure you and your family will be covered through life's ups and downs.
If you're self-employed, you need to prepare for unexpected problems and plan for the continuity of your business should you need to take time off.
Choosing the right life insurance policy – depending on your marital status and family situation – can give you real peace of mind.
Whether you're single, married, living together, or divorced, you need to plan for the future. And the first step is making sure you have adequate retirement and disability coverage and life insurance. Switzerland has a three-pillar system for these needs: the first pillar refers to basic social security; the second pillar is your occupational (or company) pension; and the third pillar refers to private pension products offered by financial institutions. Together, the three pillars provide old-age, disability, and survivors' benefits.
|
Single |
Living together |
Married or in a registered partnership |
Divorced |
|---|---|---|---|---|
1st pillar: disability benefits |
Sufficient |
Possibly sufficient |
Possibly sufficient |
Possibly sufficient |
1st pillar: survivors' benefits |
No coverage |
No coverage |
Sufficient |
No coverage |
2nd pillar: disability benefits |
Sufficient |
Sufficient |
Sufficient |
Possibly sufficient |
2nd pillar: survivors' benefits |
No coverage |
Possible coverage |
Sufficient |
No coverage |
You can supplement your first- and second-pillar coverage by purchasing third-pillar pension products from a financial institution.
