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Variable Life Insurance Switzerland

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BenutzernameMoneyland User Questions
Status Member
Registriert seit1/27/17
Beiträge2145

February 21, 2018, 2:38:31 PM

Is variable life insurance available in Switzerland? If so, which insurance companies offer variable life?

BenutzernameMoneyguru von moneyland.ch
OrtSchweiz
Status Expert
Registriert seit8/4/15
Beiträge4079

February 26, 2018, 4:33:02 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

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