Life insurance in Switzerland

Life insurance in Switzerland allows you to prepare for retirement, protect your loved ones and benefit from tax advantages, with solutions tailored to your needs.

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Why Take Out a Life Insurance Policy in Switzerland?

The 3rd Pillar in Switzerland: a key tool for your future – with the support of Crédit Conseils

In Switzerland, the pension system is based on three pillars:

1st pillar (AVS/AI): covers basic living needs in retirement.
2nd pillar (LPP): helps maintain a reasonable standard of living.
3rd pillar: allows you to complement your retirement savings on an individual and voluntary basis.

It is this 3rd pillar, often underestimated, that enables you to take control of your financial future while already enjoying concrete benefits today.

Main Features of the 3rd Pillar

Voluntary savings for retirement, buying a home, or protection in case of hardship (disability, death).
Two types of 3rd pillar:
- Pillar 3a (restricted): annual contribution limits, but strong tax advantages.
- Pillar 3b (flexible): no contribution limits, suitable for various projects or needs.
Option to combine savings with insurance coverage (death, disability).
Payouts at maturity can be in the form of a lump sum or annuity, depending on the contract.

Financial and Tax Benefits of Life Insurance

Tax savings: contributions to Pillar 3a are deductible from taxable income (up to CHF 7,056 for employees with a 2nd pillar, in 2024).
Retirement preparation: an essential complement to maintain your standard of living.
Home ownership: possibility of using the funds to finance the purchase of your primary residence.
Financial protection: in the event of unforeseen circumstances, you and your loved ones benefit from additional security.

With Crédit Conseils, you gain peace of mind and a stronger financial future, backed by expert guidance every step of the way.

Your insurance application in 4 steps

You too can rely on the experience of Crédits Conseils - with no commitment and no risk!

Request

Request a quote using the online form or by phone.

Complete the information

Information required to prepare an offer

An advisor will contact you shortly to offer you the best possible deal and meet all your expectations.

Conclusion & confirmation

You'll receive your detailed offer directly by e-mail, and can finalize it easily online. You will then receive your insurance policy by post or e-mail.

Why Work with a Broker like Crédit Conseils?

Personalized analysis of your situation – together, we identify the product best suited to your goals (retirement, home purchase, financial planning).

Objective comparison of offers from leading insurers and banks on the market.
Tax and financial optimization – we help you make the most of your savings.
Time savings and simplicity – we handle all the administrative procedures for you.
Neutral and free support – you benefit from clear advice, without commercial pressure.

With Crédit Conseils, you are guaranteed high-quality, transparent support, fully adapted to your needs and goals.

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Calculation example

Loan of CHF 20'000. An effective annual interest rate between 4.9% and 10.95% and a term of 48 months generate total interest between CHF 2'018.10 and CHF 4'549.60. Term: 6-120 months; Maximum annual interest rate (including all credit charges) 10.95%. The granting of a loan is prohibited if it leads to the over-indebtedness of the consumer.(Art. 3 LCD)