Swiss Life FlexSave Junior Plan is a children's savings insurance with risk protection for the premium payer and the child. With the solution, which comprises index participation in non-tax-qualified provisions (3b), you can help your child embark on a financially self-determined future. Please note that this product is no longer on offer.
If 50% of child allowance payments are invested, the child will receive around CHF 20 000 at the age of 18.
Tuition fees for a semester abroad in the US are CHF 15 000 on average.
If at least two children from the same family conclude a children’s solution with Swiss Life, the second child receives a discount.
With Swiss Life FlexSave Junior Plan, it is up to you to gradually accumulate starting capital for your children – for example, for a language course abroad or a first motorbike. And you can be sure that the wishes will be fulfilled because the minimum payout is guaranteed upon expiry of the contract.
The special plus: the advantage is that in years when the stock market performs well, you’ll see gains thanks to the participation in the index basket, a basket of well-known indices. All of these gains – or half the gains, in the case of the option "Reinvest participation gains" – are credited to the contract. They are thus secured and are paid out with the guaranteed amount when the contract expires. And best of all: even a negative index performance does not reduce the guaranteed benefits.
Your advantages at a glance
- Your child receives a guaranteed minimum payout on expiry of the insurance.
- You participate in the positive performance of the index basket.
- We protect the gains made each year – this increases your guaranteed payout on expiry of the insurance.
- The option to "reinvest participation gains" increases your potential returns.
- You can interrupt the premiums.
- Your child benefits from comprehensive risk cover.
- Discounts available for two or more children.
Make an appointment for a consultation
Do you have any questions about your Swiss Life FlexSave Junior Plan or would you like to know more about our solutions for children?
Information on index participation
See your detailed statement for the participation code relevant to your contract.
Index participation for contracts starting on the fifth of a month
Index participation for contracts starting on the first of a month
More about the product
In the event of survival: your child receives a payout on expiry which is guaranteed upon commencement of the contract. The payout may increase annually as a result of credited participation gains and bonuses.
Disability: if covered, Swiss Life will pay disability income from the 16th birthday until AHV retirement age at the latest.
Death: if the premium payer dies, Swiss Life will continue the premium payments.
Disability: if the disability risk is covered, Swiss Life will continue the premium payments if the premium payer becomes disabled.
You can purchase this savings product self-determinedly both for your own children and for grandchildren and godchildren.
Simply choose the option "Reinvest participation gains". When you do so, half your gains from index participation will be used to acquire additional index participation the following participation year.
- This option is only available for contracts with a participation key date of 5 April.
- You can choose to select or remove this option each year.
All of your entitlements are protected at all times by the tied assets which Swiss Life is required to set aside by law. These assets are monitored by the Swiss Financial Market Supervisory Authority (FINMA).
The index basket is based on the performance of a well-known market index and currently includes the market regions Switzerland, the USA and Europe. If a region has a positive performance within a year*, this results in gains from the index participation. We credit this gain to your contract.
* Based on the participation key date according to your policy
The foundation for your child's financially self-determined future
Swiss Life FlexSave Junior Plan
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