Pillar 3a insurance solution (tied pension provision)

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? Then the CONVITA modular pension provision is the ideal solution for you.

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Pillar 3a – tied pension provision

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Pillar 3a: new and unfamiliar?

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With the CONVITA pension provision solution, you get a modular insurance policy that enables you to save like you would with a bank account while simultaneously insuring yourself against the risks of death and disability as you would with an insurance company. This pillar 3a tied pension provision solution 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.

The advantages of CONVITA pension provision

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 pension provision that you can always adapt according to your situation in life?

CONVITA pension provision offers the ideal solution:

With CONVITA pension provision, you are opting for a tied pension solution (pillar 3a) that you can structure in a modular way and adapt flexibly.

The CONVITA^save module enables you to invest your money and save for your retirement.
With the CONVITA^risk 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

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. Pillar 3a policies are available to adults resident in Switzerland who earn an income subject to AHV/AVS/OASI contributions from employment or self-employment.
Can anyone take out a CONVITA policy?

No, only adults with income from gainful activity that is subject to AHV/AVS/OASI contributions and who are resident in Switzerland are eligible.
In which cases is it possible to withdraw 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 CONVITA products:

Further CONCORDIA pension provision solutions

TIKU/DIMA/DIMI term life insurance – pillar 3b (flexible pension provision)

Financial security by way of capital payments in the event of disability or death due to illness or accident.

Find out about term life insurance

INVIVA savings and term life insurance – pillar 3b (flexible pension provision)

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

Find out about the pillar 3b

CONVENIA life insurance – pillar 3b (flexible pension provision)

Endowment life insurance that combines risk protection with long-term wealth accumulation.

Find out about endowment life insurance

ACCIDENTA – pillar 3b (flexible pension provision)

You get financial security thanks to a capital payment in the event of an accident. Even if other insurance policies are already paying benefits.

Find out about accident insurance