- BenutzernameMoneyland User Questions
- Status Member
- Registriert seit1/27/17
- Beiträge2142
February 21, 2018, 3:38:31 PM
Is variable life insurance available in Switzerland? If so, which insurance companies offer variable life?
Variable Life Insurance Switzerland
Here you will find the right answers
About Moneyland Forum
The moneyland.ch forum lets you exchange knowledge on numerous topics related to money and get answers to your questions at any time. Join forum users and experts in discussions relating to banking, investment, insurance, retirement, telecom and everyday money topics.
Show categories
- BenutzernameMoneyguru von moneyland.ch
- OrtSchweiz
- Status Expert
- Registriert seit8/4/15
- Beiträge4002
February 26, 2018, 5:33:02 PM
Hi there,
A number of permanent life insurance types with variable life insurance characteristics are offered by Swiss life insurance providers. These are typically referred to as investment-fund-linked polices (German: Fondspolicen).
We generally do not recommend permanent life insurance as the cost-to-benefit ratio is generally poor. Additionally, investment-fund-based policies are subject to risk because their value can decline if investments perform poorly. You will normally save money by taking out term life insurance and investing using other solutions (like affordable ETFs).
Best regards from Moneyguru
More on this topic:
Term life insurance comparison
