{"id":74384,"date":"2024-07-02T07:30:00","date_gmt":"2024-07-02T05:30:00","guid":{"rendered":"https:\/\/www.deinadieu.ch\/ratgeber\/what-is-life-insurance\/"},"modified":"2025-10-14T10:57:12","modified_gmt":"2025-10-14T08:57:12","slug":"what-is-life-insurance","status":"publish","type":"ratgeber","link":"https:\/\/www.deinadieu.ch\/en\/advisor\/what-is-life-insurance\/","title":{"rendered":"What is life insurance?"},"content":{"rendered":"\n<p>The topic of life insurance comes up again and again.\nBut what exactly does life insurance involve?\nCan I save taxes with it?\nIn which situations does life insurance make sense?   <\/p>\n\n<!--more-->\n\n<div class=\"wp-block-create-block-deinadieu-simple\">\n<div class=\"wp-block-group da-pull has-lightgrey-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-top-color:var(--wp--preset--color--da-dark);border-top-width:4px;padding-right:3rem;padding-left:3rem\">\n<h2 class=\"wp-block-heading\" id=\"h-das-wichtigste-in-kurze\">Quick Summary<\/h2>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li>The aim of life insurance is either to cover risk or to build up capital (savings) for retirement.<\/li>\n\n\n\n<li>There are three main types of life insurance: term life insurance, mixed life insurance and unit-linked life insurance.<\/li>\n\n\n\n<li>As an insured person, you must decide whether the life insurance is to be taken out within Pillar 3a (tied pension provision) or Pillar 3b (untied pension provision).<\/li>\n\n\n\n<li>In principle, you can only save tax with pillar 3a.\nThe federal government limits the tax-free contributions to life insurance policies each year.\nThe &#8220;small&#8221; (tax-free) contribution is the maximum limit for people with a 2nd pillar; the &#8220;large&#8221; contribution applies to employed persons without a 2nd pillar.  <\/li>\n\n\n\n<li>Life insurance is particularly suitable for the self-employed or people who have an increased risk of serious illness.\nThose who have high fixed costs or live in cohabitation can also provide better protection for themselves or their loved ones. <\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\">What is life insurance?<\/h2>\n\n<p>Life insurance policies include, on the one hand, insurance policies to protect against loss of earnings &#8211; <strong>term life insurance<\/strong> &#8211; and, on the other hand, insurance policies that serve to provide for the future, so-called <strong>capital-forming life insurance policies (savings)<\/strong>.\nCapital-forming life insurance policies include mixed and unit-linked life insurance. <\/p>\n\n<p>Life insurance is part of the 3-pillar system for old-age and disability provision.\nInsured persons can choose whether they wish to take out insurance under <g id=\"gid_0\">pillar 3a or pillar 3b<\/g>. <\/p>\n\n<h2 class=\"wp-block-heading\">What types of life insurance are there?<\/h2>\n\n<p>Not all life insurance is the same.\nDepending on the type of life insurance, different benefits are included.\nThere are basically three different categories:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Term life insurance<\/li>\n\n\n\n<li>Mixed life insurance<\/li>\n\n\n\n<li>Unit-linked life insurance<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">What is term life insurance?<\/h3>\n\n<p>As the name suggests, (pure) term life insurance covers one risk, namely the <strong>sudden loss of earnings<\/strong>.\nThere are two possible reasons for a loss of earnings under the insurance: <g id=\"gid_1\">death or disability<\/g> (= incapacity to work).\nTwo sub-categories of term life insurance have emerged based on these two factors that lead to a loss of income:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Death benefit insurance: This insurance provides financial support for the surviving dependants of the insured person in the event of their death. <a href=\"https:\/\/www.deinadieu.ch\/ratgeber\/todesfallversicherung\/\">Click here for more information<\/a> on whole life insurance.<\/li>\n\n\n\n<li>Disability insurance: Loss of earnings due to illness or accident is covered.\nBoth the insured person and their family receive benefits. <\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">What is a mixed life insurance policy?<\/h3>\n\n<p>Mixed life insurance is very popular in Switzerland.\nIt <g id=\"gid_0\">combines risk cover and savings<\/g>.\nThe premium payment therefore has a dual purpose: on the one hand, it provides insurance in the event of disability or death (risk cover), and on the other, it provides capital for the <g id=\"gid_1\">3rd pillar<\/g> (savings).  <\/p>\n\n<p>Mixed life insurance is therefore term life insurance that allows policyholders to set aside assets for their retirement at the same time.<\/p>\n\n<h3 class=\"wp-block-heading\">What is unit-linked life insurance?<\/h3>\n\n<p>Finally, there is unit-linked life insurance.\nIn contrast to the other two types of life insurance, it is not as widespread.\nHowever, it is experiencing an upward trend in Switzerland, not least due to the rise in interest rates.  <\/p>\n\n<p>The insurance capital saved is <strong>invested in investment funds<\/strong>.\nThe level of return from which the insured person benefits <g id=\"gid_1\">depends on the market<\/g>.\nUnit-linked life insurance can also be part of either pillar 3a or 3b; policyholders decide this based on the policy they take out.  <\/p>\n\n<h2 class=\"wp-block-heading\">How can I save taxes with a life insurance policy?<\/h2>\n\n<p>It is the task of the state to promote private pension provision (including life insurance) with the help of tax relief.\nFor this reason, the state favors fees paid into a life insurance policy with regard to taxation.\nHowever, a distinction must be made as to whether the life insurance policy was taken out under pillar 3a or 3b.  <\/p>\n\n<h3 class=\"wp-block-heading\">Can I save tax with a life insurance policy within pillar 3a?<\/h3>\n\n<p>Yes, these <strong>contributions are tax-free to a certain extent<\/strong>.\nHowever, there are a few points to bear in mind.\nPillar 3a is a tied pension plan.\nAs the assets invested there are intended exclusively for retirement provision, insured persons can <g id=\"gid_1\">no longer freely dispose of their investments at any time<\/g>.\nPillar 3a must be taken out either with an insurance company or a bank.    <\/p>\n\n<p>In addition, not everyone can invest in pillar 3a: <strong>Only employed persons<\/strong> whose income is subject to AHV contributions are eligible for this option.\nPeople with an employment contract have assets in both the\n1st pillar and\n2nd pillar.\nPillar 3a is therefore particularly <g id=\"gid_1\">important for the self-employed<\/g>.\nSelf-employed persons often only have Pillar 1 (AHV) as their retirement provision.     <\/p>\n\n<p>But beware: the tax-free amount that can be paid into pillar 3a is limited.\nThe federal government sets <g id=\"gid_0\">two maximum contributions<\/g> each year: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>The &#8220;small&#8221; contribution: This applies to those who belong to a <strong>2nd pillar<\/strong> (non-self-employed persons).\nFor the year 2024, the federal government has set it at Fr.\n7,056.  <\/li>\n\n\n\n<li>The &#8220;large&#8221; contribution: This applies to people <strong>without a 2nd pillar<\/strong>, i.e. the self-employed.\nIn 2024 it amounts to Fr.\n35&#8217;280.  <\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">And what about pillar 3b?<\/h3>\n\n<p>Anyone who pays into Pillar 3b (or free pension provision) <strong>cannot deduct<\/strong> these contributions <strong>from their taxes<\/strong>.\nUnder certain circumstances, however, the amounts paid out are exempt from tax. <\/p>\n\n<h2 class=\"wp-block-heading\">For whom does life insurance make sense?<\/h2>\n\n<p>Whether life insurance makes sense always depends on your personal situation.\nHowever, there are some circumstances in which it is more advisable: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Fixed costs<\/strong>: Do you have high fixed costs such as mortgage interest, family maintenance or rent?\nIf these costs are no longer affordable if a family member&#8217;s salary is missing, life insurance can help. <\/li>\n\n\n\n<li><strong>Serious illness<\/strong>: If a person dies due to illness<ins>,<\/ins> it is often difficult for surviving dependants to maintain their previous standard of living.\nThe previous salary is much less insured in the event of death due to illness than in the event of death due to an accident.\nIf a hereditary illness runs in the family, life insurance provides security.  <\/li>\n\n\n\n<li><strong>Self-employment<\/strong>: Those who are not employed do not benefit from a 2nd pillar.\nAssets and pensions from the 1st pillar are often not enough to live on in retirement as before.\nA 3rd pillar in the form of life insurance protects against loss of earnings and ensures sufficient savings in old age.  <\/li>\n\n\n\n<li><strong>Cohabiting couples<\/strong>: The law stipulates that only married partners receive benefits from social insurance (accident, health and disability insurance) in the event of death.\nUnder pillar 3b, unmarried couples also receive benefits from life insurance.\nWithin pillar 3a, there are conditions for being able to benefit cohabiting partners.  <\/li>\n<\/ul>\n\n<p>Seek advice from your trusted insurance company or bank to find out whether life insurance is right for you.\nAre you concerned about what should happen to your assets after your death? <g id=\"gid_0\">Here you will find instructions<\/g> for your own will. <\/p>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/app.deinadieu.ch\/testament\">Draw up a free will<\/a><\/div>\n<\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-dies-konnte-sie-auch-interessieren\">This might also interest you:<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.deinadieu.ch\/ratgeber\/was-geschieht-mit-meinen-privaten-vorsorgeguthaben-3-saeule\/\">Private pension assets (pillar 3) in inheritance law<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.deinadieu.ch\/ratgeber\/was-konkubinatspartner-regeln-sollten\/\">What domestic partners should regulate<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.deinadieu.ch\/ratgeber\/was-ist-die-nachlassplanung\/\">What does estate planning involve?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.deinadieu.ch\/ratgeber\/was-nuetzt-die-todesfallversicherung\/\">What is whole life insurance?<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The topic of life insurance comes up again and again. But what exactly does life insurance involve? Can I save taxes with it? In which situations does life insurance make sense?<\/p>\n","protected":false},"author":6048,"featured_media":37102,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","tags":[2035,3813,3812,3814],"ratgeber-category":[2896],"class_list":["post-74384","ratgeber","type-ratgeber","status-publish","has-post-thumbnail","hentry","tag-advance-care","tag-death-benefit-insurance","tag-life-insurance","tag-term-life-insurance","ratgeber-category-insurance"],"acf":[],"yoast_head":"<title>What is life insurance? Does it make sense? | DeinAdieu<\/title>\n<meta name=\"description\" content=\"Life insurance is part of personal pension provision. 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