Our risk insurance solutions for you

Risk insurance provides financial protection for your loved ones or business partners if you are no longer able to support them due to death, disability or long-term care need. If a covered event occurs, the beneficiaries you have chosen receive an agreed payment to help ease the resulting financial burden.

Term life insurance allows you to provide financial protection for your dependants or other beneficiaries of your choice.

The death of a loved one places a significant emotional and financial burden on those left behind. Benefits paid from the first and second pillars are often insufficient to cover everyday living expenses and ongoing financial commitments. In the event of accidental death, benefits from the Old-Age and Survivors' Insurance (AHV/AVS) and occupational pension funds typically replace around 80% of lost employment income. If death is caused by illness, only around 40% of lost employment income is covered, resulting in a substantial income gap. For unmarried couples, surviving partners generally have no entitlement to survivors' benefits and therefore often need additional financial protection through private pension provision.

Illness and accidents often occur without warning and can have a serious impact on your ability to work. In the worst-case scenario, you may no longer be able to earn a living and support yourself financially. While your employer may continue to provide salary payments for a limited period, statutory disability benefits generally replace only part of your previous income over the long term.

A disability income insurance policy can help make up this shortfall, which is 10% following an accident and 40% in the case of illness. This means that, in addition to coping with the challenges of illness or injury, you can avoid having to make major compromises to your standard of living. 

No one can completely rule out the possibility of becoming dependent on long-term care as a result of illness, an accident or simply advancing age. The costs involved are only partly covered by health insurance and cantonal and municipal authorities, which can lead to a significant financial burden. For example, care in a nursing home can cost around CHF 85 000 per year. Savings can quickly be depleted and you may even have to sell your home.

Long-term care insurance entitles you to a lifelong annuity that provides financial security should you require care. This financial security is valuable for both you and your family.