Mortgages

Zurich Term Life Insurance

  • Death coverage

  • Pillar 3a or 3b

General information:

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). 

Type of insurance:
Constant, Decreasing
Age:

Minimum entry age: 18 years (3a) or 13 years (3b). Maximum entry age 3a: 63 years (women) or 64 years (men). Maximum entry age 3b: 70 years (women and men). Maximum payment age 3a: 64 years (women) or 65 years (men). Maximum payment age 3b: 85 years (women and men).

Validity:

Worldwide coverage.

Exclusions:

In the case of suicide within your first 3 years as a policyholder, only the cash value of a policy is paid out. Unified Swiss life insurance guidelines governing exclusions during military service and war apply.

Premiums and discounts:

The premium agreed upon conclusion of the contract is guaranteed for the entire duration of the contract. Individual discounts are possible.

Profit participation:

Possible dividends can be applied to premiums.

Death benefit amount:

Constant and decreasing sums insured possible. Amount of insurance sum freely selectable, but at least 10,000 francs. From 10 million francs on request.

Term:

1 year to 50 years.

Waiver of premium:

If you become disabled, your premiums are waived following a waiting period. Premiums may be fully or partially waived depending on the disability level.

Beneficiaries:

3a policy beneficiaries may include a spouse, registered partner, direct descendant, parent, sibling or other legal heir. 3b policy offers free choice of beneficiary.

Special services:
Waiver of premium, Pillar 3a, Pillar 3b
Additional services:

Increase in insurance sum possible without renewed health check within the framework of the expansion guarantee (in accordance with contract conditions).


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  • Free account & card

  • No exchange fees for foreign payments (interbank exchange rates)

  • 24 ATM withdrawals worldwide per year free of charge

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  • Special offer with CHF 200 welcome bonus

  • No prior knowledge necessary: Advice from experts

  • One of the 10 largest asset managers worldwide

Swiss digital bank

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  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

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  • Secure CHF 20 starting credit with the ML24 voucher

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