CONVITArisk risk insurance
CONVITArisk is an insurance policy without a savings component. It protects you and your family against financial difficulties in the event of death and/or disability. A separate module may be chosen for both cases depending on your individual risk situation.
CONVITArisk Death is a pure risk insurance policy without a savings component. This means that in the event of your death due to illness or accident, your survivors will receive a guaranteed lump sum.
You can use pillar 3a to secure a purchase of residential property that you live in yourself. Your lender will accept it as a guarantee for your mortgage, meaning that you have to provide less equity.
Since the premiums you pay in are fully tax-deductible (up to the statutory maximum contribution), you will save tax every year.
You choose the level at which you want and are able to insure this risk. CONVITArisk policies can be taken out from an insurance sum of as little as CHF 10,000.
Contact us for a careful assessment of your situation.
The premiums and benefits depend on your individual situation and will remain the same until the end of the contract. This means that you get a transparent solution with no surprises.
If you insure the risk component Death as part of a CONVITArisk policy, it may make sense to include the risk components Disability aand Premium waiver in the event of earning incapacity due to illness or accident, too.
I am interested in CONVITArisk risk insurance:
Frequently asked questions about the death module of CONVITArisk risk insurance:
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When should I take out a CONVITArisk policy with the death module?
- If you would like to protect your family members with a lump sum in the event of your death.
- If you would like to provide your lenders with collateral.
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Do I need to be wealthy to take out a CONVITArisk policy?
No. You choose the level at which you want and are able to insure the risk. CONVITArisk policies can be taken out from an insurance sum of as little as CHF 10,000. The amount of the premium depends on the insurance sum, the term of the insurance, your gender and age and whether you smoke. -
Why is an investment in CONVITArisk interesting from a tax perspective?
You can deduct the premiums you pay in to your pillar 3a account from your taxable income.
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CONVITArisk Disability is a pure risk insurance policy without a savings component. This means that if you become incapable of undertaking gainful activity due to illness or accident and your earning incapacity is expected to be lifelong, you will receive a lump sum (which could be used, for example, to make structural changes to your home or to purchase equipment or other items). Payouts will already be made from a degree of disability of 25%.
Since the premiums you pay in are fully tax-deductible (up to the statutory maximum), you will save tax every year.
You choose the level at which you want to insure the risk of disability. This is already possible from an insurance sum of just CHF 50,000.
Contact us for a careful assessment of your situation.
If you insure the risk component Disability as part of a CONVITArisk policy, it may make sense to include the risk components Death and Premium waiver in the event of earning incapacity due to illness or accident, too.
The premiums and benefits depend on your individual situation and remain the same until the end of the contract. This means that you get a transparent solution with no surprises.
Frequently asked questions about the disability module of CONVITArisk risk insurance:
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When should I take out a CONVITArisk policy with the disability module?
If you would like to ensure your family’s financial security in the event that you become disabled. Unlike statutory disability insurance (IV/AI), which pays benefits from a degree of disability of 40% or higher, CONVITArisk already pays out for degrees of disability of 25% or higher.