Mixed Life Insurance

In Switzerland, the term “mixed life insurance” is used to refer to whole life insurance (permanent life insurance). In mixed life insurance, the policyholder buys equity in their life insurance policy.

This sets it apart from term life insurance, for which you pay a premium in exchange for the promise of a death benefit if you die within a predetermined insurance term.

Mixed life insurance – as it is used in Switzerland – is primarily a retirement saving solution. An additional portion of the premium, on top of the portion which covers the actual life insurance premium and administrative costs, goes to the “savings” portion of the policy. These savings build the cash value of the policy.

More on this topic:
Swiss term life insurance comparison

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