- Your family's insurance
- Sustainable retirement planning
- Tax savings
- Income protection in case of loss of ability to work
Secure an ideal complement to your existing social insurance coverage. Unlike the first and second pillars, the creation of capital in the third pillar is voluntary.
Ersparnisse im Rahmen der dritten Säule dienen hauptsächlich dazu, mögliche Lücken in der sozialen Versicherung zu schliessen. Darüber hinaus bieten sie attraktive Zinssätze und wichtige steuerliche Vorteile. Wir sind die Experten, die Ihnen helfen können, sich in diesem komplexen Bereich zurechtzufinden.
Merrni një ofertë
Me disa informacione, krijojmë një ofertë të personalizuar për ju.
Financial independence
Financial independence after retirement means a high quality of life in old age.
Discover the ways to build and secure a financial cushion for your future during retirement years.
Take care of yourself and your loved ones now.
- Insurance for children
- Accident protection
- Your benefits
- My additional benefits
My insurance
Income insurance
Protection of heirs
Financial peace of mind in old age
Exemption from premium payments
Frequently Asked Questions (FAQ)
The capital paid into a pillar 3a life insurance policy can be deducted from taxable income, whereas this option is not available for a 3b life insurance policy (which mainly includes savings activities such as bank deposits, real estate ownership, or investments). However, with 3b life insurance, the duration and availability of the capital are flexible and can be adjusted as desired, unlike 3a insurance, which has stricter regulations.
In a pure risk insurance policy, a premium is paid for a specified period (e.g., 20 years) for a fixed insurance sum. This sum is only paid out if an event such as death or occupational disability occurs during this period. If the event does not occur, the insurance sum is not paid out.
In a mixed life insurance policy, one part is allocated for savings and another for risk coverage. If death or occupational disability occurs during the contract term, the risk sum is paid out. If these events do not occur, the insured person receives the accumulated capital portion at the end of the contract. For this reason, mixed life insurance is very popular for enhancing retirement funds and maintaining the standard of living in old age.
In a unit-linked life insurance policy, the capital can be invested in a fund. Unlike pure risk insurance or mixed life insurance, the policyholder can influence the investment strategy. However, this type of insurance carries a certain risk, as the exact payout amount cannot be predicted in advance.
