Pillar 3a

Retirement planning with CONVITA

Are you looking to save for your future, protect yourself financially with a guaranteed lump-sum death and disability benefit and save tax at the same time?

Pillar 3a – tied pension provision

Is this right for me?

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Pillar 3a – new and unfamiliar?

I would like to take advantage of a no-obligation consultation – either on the phone or in person.

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Pillar 3a is a voluntary way of saving privately for your retirement. You can use it to make up pension shortfalls in your first and second pillar coverage (AHV/AVS/OASI and occupational pension fund). It is worth thinking about your future financial security at a young age, even if the investment period will be a long one. With CONVITA, you get a modular insurance solution that enables you to save just as you would with a bank while simultaneously insuring you against risks such as death and disability.

The advantages of CONVITA

Saving

Plan for your future with fund savings in pillar 3a

Security

Guaranteed lump sum in the event of death or disability

Clear tax advantages

Premiums paid can be deducted from your taxable income

Are you looking for an insurance solution for retirement provision that you can always adapt according to your situation in life?

CONVITA provides the ideal solution:

With CONVITA, you are opting for a tied pension solution (pillar 3a) that you can structure in a modular way and adapt flexibly. The CONVITAsave module enables you to invest your money and save for your retirement. With the CONVITArisk module, you insure yourself against the financial consequences of disability and/or death due to illness or accident. The premium waiver module allows you to reach your pension target even if you become unable to undertake gainful activity due to illness or accident.

Whichever module you choose, you will save tax, as you can deduct premiums paid from your taxable income.

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	Saving with CONVITA^save	Protection with CONVITA^risk
Module Saving – Investment strategies with three UBS funds	Find out more
Module Death		Find out more
*Module* Disability		Find out more
*Module* Premium waiver in case of earning incapacity	Find out more	Find out more

I am interested in CONVITA:

I would like to take advantage of a no-obligation consultation – either on the phone or in person.

Ask for a no-obligation consultation

Frequently asked questions about CONVITA retirement provision:

Can I take out a CONVITA pillar 3a policy for my child?

No, you can only take out a pillar 3a policy for yourself.
Can anyone take out a CONVITA policy?

No, only individuals with income from gainful activity that is subject to AHV/AVS/OASI contributions and who are resident in Switzerland are eligible.
What are the statutory requirements for withdrawing the retirement benefits early?
The earliest the retirement benefits can be paid out is five years before the normal AHV/AVS/OASI retirement age. Early withdrawals of pension funds are possible in certain cases that are stipulated by law (pursuant to BVV/OPP 3), for example:

To purchase residential property for your own use

To repay mortgage loans

Upon taking up self-employment

Upon leaving Switzerland (emigration)

When making a purchase in a tax-exempt pension fund

Further information on the various product modules and the General and Additional Insurance Terms and Conditions:

Further offers for life insurance

INVIVA

The fund-linked savings and term life insurance policy – an ideal combination of return-oriented savings and security through a guaranteed lump sum in the event of death

Find out more

TIKU/DIMA/DIMI

Financial security through capital payments in the event of disability or death due to illness or accident

Find out more

CONVENIA

Endowment life insurance that combines protection against risks with long-term asset accumulation

Find out more