Mixed life insurance

Individual financial planning (pillar 3a/3b)
Mixed life
insurance
The individual and flexible solution which
combines long-term capital accumulation
with appropriate risk protection.
A flexible mix of insurance cover.
Mixed life cover offers guaranteed risk protection and long-term
capital accumulation. It represents a useful supplement to pillar 1 and
2 benefits for you and for your family.
When do you need this cover?
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Are you responsible for a spouse or life partner and/
or children?
Are you looking to protect yourself and your family against the risk of death or disability?
Are high-performance savings and tax benefits
important to you?
Are you looking for investment opportunities that are unaffected by turbulence in the financial markets?
Financing to maintain your standard of
living even after you retire – or to make
a dream come true?
Look at what you could
achieve.
Security: In the event of your death,
your surviving dependants or chosen
beneficiaries will immediately receive
a guaranteed lump sum.
High-performance savings: After your
policy expires, for example when you
retire, you will have substantial, guaranteed savings capital at your disposal.
Financial freedom, and all the opportunities it brings.
Tax benefits: The government supports
your individual financial planning – the
tax benefits built into pillars 3a and 3b
give an additional boost to the return on
your investment.
Customized cover.
eduction
eath cover.
You strike a balance between capital accumulation and
risk protection to suit Capital
your goals
and needs when you
accumulation
Death
cover
take out your policy. Choose between two standard
reduction
options with differentPremium
progressions
for the death cover
element.
Capital accumulation
Death cover
Surplus share
(not guaranteed)
duction
ath cover.
Fixed death cover Capital accumulation
Deathwe
cover
If security
your priority,
recommend choosing the
Plan is
end
Premium reduction
option offering a fixed lump sum payable upon death:
this means that your family is adequately covered from
the outset and will receive a guaranteed payout in the
event of your death.
The benefit to you: a high level of risk protection.
Plan end
ak and
n of payments.
Plan start, with regular
premium payments
Plan end
Plan start, with regular
premium payments
Plan end
Increasing death cover
Capital accumulation
Is risk coverage less important
Death coverto you now, but will your
need for higher deathPremium
cover increase
payment over the term of
break
your policy? Several options with increasing death beneak and fits cover this exact requirement.
n of payments.
The benefit to you: higher savings component.
Plan end
Plan end
Capital accumulation
Death cover
Premium payment
break
Capital accumulation
Death cover
Surplus share
(not guaranteed)
Capital accumulation
Death cover
Surplus share
(not guaranteed)
Plan start, with regular
premium payments
Plan end
Plan start, with regular
premium payments
Plan end
Capital accumulation
Death cover
Surplus share
(not guaranteed)
Adapting your policy to suit
changing needs.
Mixed life cover keeps up with your personal circumstances and needs. Are you planning on taking a training
course or making a relatively large investment which will
tie up a substantial amount of resources?
Option A
Allows you to temporarily reduce your premium payments while retaining your originally agreed level of
death cover with no restrictions until the end of your
policy term.
Option B
You take a break from your premium payments but
retain the option to resume payments at the originally
agreed level at any time (prerequisite: existing conversion value) and without having to make back-payments.
For these and similar cases, we offer two options allowing
you to temporarily reduce or completely suspend your
premium payments.
Temporary premium reduction
with retention of full death cover.
Capital accumulation
Death cover
Premium reduction
Temporary premium reduction
with retention of full death cover.
Capital accumulation
Death cover
Premium reduction
Plan start, with regular
premium payments
Plan end
Plan start, with regular
premium payments
Plan end
Premium payment break and
subsequent resumption of payments.
Capital accumulation
Death cover
Premium payment
break
Premium payment break and
subsequent resumption of payments.
Capital accumulation
Death cover
Premium payment
break
Both options mean that benefits will be
reduced in the event of survival. However, the major advantage here is the
flexibility to adapt even a long-term
financial plan to your individual needs
and circumstances.
Plan start, with regular
premium payments
Plan end
Plan start, with regular
premium payments
Plan end
6 important advantages of mixed
life insurance.
1
2
3
Scope for customization:
You choose the amount of
insured capital, policy
duration and type (pillar
3a «fixed» or 3b «flexible»)
and single premium or
regular premium payments.
Freedom to decide:
Within the framework of
pillar 3b, you have complete freedom of choice
regarding beneficiaries
(e.g. cohabiting or life
partner).
Guarantee: The policy
guarantees a minimum
interest rate on your
savings capital and
immediate outpayment to
beneficiaries in the event
of survival or death.
4
5
6
Opportunities: The policy
includes the chance to
share in any surplus return
(not guaranteed). This will
be set by the company and
is dependent upon business performance.
Additional benefits: Take
advantage of the benefits
offered by the option to
pledge or take policy loans
against your mixed life
policy as security for mortgages or other loans.
Privilege: A relevant beneficiary clause will grant
your spouse and/or children privileged status in
inheritance matters or in
the event of bankruptcy.
Recommended additional cover.
Benefit from additional services.
With a disability pension, you can protect yourself and
your family against the financial repercussions of disability following an illness or accident. A premium exemption with ongoing insurance cover in the event of disability may also be a reassuring option. Moreover, the
option to include an additional capital payment in the
event of death is also available.
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Balance Invest
Unit-linked life insurance
Savings target insurance
Private pensions
Mortgage loans (and indirect amortization)
Unit-linked children’s insurance
Children’s insurance
Tailored to where
you are in life.
A mixed life insurance policy is suitable for the pursuit of
individual goals in various stages of life, in particular:
• Coverage of financial responsibilities vis-à-vis family and partners
• Protection against the risk of death and incapacity to work (disability)
• Indirect amortization of a mortgage
• Facilitation of early retirement
• Attractive reinvestment option for larger sums
of money
• Safe capital investment in the event of financial market turbulence
Allianz Suisse
Tel. +41 58 358 71 11
Fax +41 58 358 40 42
[email protected]
www.allianz-suisse.ch
The contractual terms and conditions of Allianz Suisse shall apply.
YDPPR251E – 0812
Seek advice now so that you can count
on Allianz Suisse services when the
time comes.