Offered in collaboration with Swisscanto and La Mobilière, Swisscanto Safe is pure risk insurance cover in the event of death and disability, while at the same time enabling subscribers to make up any shortfall in their pension contributions.
The essentialsSecure your future
Swisscanto Safe insurance offers a lump sum in the event of death and/or an annuity in the event of disability, all of which is financed by an annual risk premium, the amount depending on your age and the capital sum insured.
Swisscanto Safe insurance can be subscribed for a minimum period of 5 years up until the legal retirement age.
The premium is paid annually on 1st January (in year 1 on a prorata temporis basis).
Financing is simple to set up
For men, a Swisscanto Safe contract can be concluded between the ages of 18 and 60, for women between 18 and 59. Up to a death benefit of CHF 250,000 or an annual disability benefit annuity of CHF 30,000, no medical examination is required. In the event of death, inheritance benefit allows the free choice of beneficiaries.
Concluding the Swisscanto Safe contract
Loan insurance : It is designed to cover the risks associated with a loan (mortgage, business loan, etc.). It is life insurance with decreasing capital. This means that the death benefit is adjusted each year according to the loan amount repaid as of 31 December each year.
Swisscanto Safe Insurance: 3 options depending on your needs
Savings Insurance : This insurance is linked directly to an Epargne 3a account and makes it possible to guarantee a targeted retirement savings objective.
Risk Insurance : This insurance is not linked to any specific benefit, its aim being to provide cover in the event of accidents or illnesses which might lead to inability to earn a living or sudden death.
ConditionsSwisscanto Safe insurance can be contracted by:
- men from 18 to 60 years of age
- women from 18 to 59 years of age
In the event of inability to earn a living, release from premium payment together with an annuity is granted. This is optional if the insurance concluded only covers the risk of death.
In the event of death, inheritance benefit allows the free choice of beneficiaries.
Duration of the insurance
- Minimum: 5 years
- Maximum: up to the legal age of AVS retirement