Mobiliar Term Life Insurance

Available as pillar 3a or as pillar 3b account. Pure term insurance with constant or decreasing insurance sum in case of death (optionally with waiver of premium in the event of disability). 

Minimum entry age: 18 years (3a) or 25 years (3b). Maximum payout age 3a: Statutory retirement age. Maximum payout age 3b: 80 years (women and men).

Worldwide coverage.

Death: Suicide during the first 3 years of insurance. The standard regulations of the Swiss life insurance companies apply during military service and war.

The premium agreed at the time of conclusion is guaranteed for the entire term of the contract. Monthly, quarterly, semi-annual or annual premium payment possible.

Yes, a premium reduction possible from the first year of insurance.

Constant capital: minimum sum of CHF 50,000.
Decreasing capital: minimum sum of CHF 100'000.
No fixed maximum sum insured.

Minimum term: 2 years (constant) or 3 years (decreasing).

There is a chargeable option for a premium waiver after disability.

Beneficiaries are spouses, descendants, parents, siblings and other heirs - in free pension plan 3b also third parties.

Reimbursement of the last annual premium paid in the event of maternity or adoption.
Additional benefit of CHF 20,000 per person in the event of accidental death abroad.