Swiss Life Protection protects you against the financial consequences of disability or death.

  • Vitality.svg

    Illness is the cause of nine out of ten case of disability.

  • Vitality.svg

    In nine out of ten fatalities, the cause is illness.

  • Mann-Frau-Familie.svg

    There are fewer unemployed than people on IV in Switzerland.

In a nutshell

Double protection: with Swiss Life Protection, you can combine disability insurance and term life insurance in a single contract – based entirely on your individual needs.

With disability insurance, we pay you an annuity following the waiting period you select in the event you become disabled as a result of an accident or illness. You receive this annuity until the end of the contract or until you are able to work again. The amount of the payments depends on the level of disability and the insured benefit.

In the event of death, Swiss Life will pay out the insurance benefit to your beneficiaries. You determine whether the amount of the lump-sum death benefit remains the same or decreases. 

Your benefits at a glance

  • 100% benefit: you receive 100% of your contractual annuity benefits from Swiss Life if your degree of disability is 66⅔% or higher.
  • Immediately available: if you die, your beneficiaries will receive payment of the full lump-sum death benefit – irrespective of inheritance law. 
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Make an appointment for a consultation

Want to learn more about Swiss Life Protection, or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation.

More about the product

Yes. During the contract term you may switch from pillar 3a to pillar 3b – and vice versa

Note:

  • If you make a switch, your current insurance contract will be replaced with a new one.
  • A switch from pillar 3b to pillar 3a is possible only if the pillar 3b contract meets the legal requirements for pillar 3a.
  • During the contract term: you pay no wealth tax.
  • Annuity payments, along with other income, are fully subject to income tax.
  • The premiums for the tax-qualified provisions (pillar 3a) are deductible from taxable income up to the legal maximum amount.
  • During the contract term: you pay no wealth tax.
  • In the event of death: the lump sum payable is taxed at a reduced rate, separate from other income. Survivor’s annuities are taxed together with other income.
  • The premiums can be deducted from taxable income in the tax-qualified provisions (pillar 3a) up to the legal maximum amount.

Product comparison

  • Protection against the financial consequences of disability and death

    Swiss Life Protection

    • Death or disability income insurance
    • Fixed-term risk covers
    • Constant premiums
  • Financial security for your survivors

    Swiss Life Tree

    • Term life insurance
    • Lifelong risk cover
    • Constant premiums
  • Term life insurance with online conclusion of contract

    Swiss Life ProtectEasy

    • Term life insurance
    • Fixed-term risk cover
    • Annually increasing premiums