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.
I am interested in CONVITArisk risk insurance:
Frequently asked questions about the death module of CONVITArisk risk insurance:
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 are self-employed and would like to protect your business partner in the event of your death.
- If you would like to provide your lenders with collateral.
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.
Frequently asked questions about the disability module of CONVITArisk risk insurance:
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.