Vorsorgen mit CONVITA: 3. Säule - gebundene Vorsorge (3a)
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Pillar 3a risk insurance

Insure risks with CONVITArisk

CONVITArisk is a pillar 3 risk 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.

Death module
  • 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 our advisor 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 and Premium waiver in the event of earning incapacity due to illness or accident, too.

Frequently asked questions about the CONVITArisk death module:

Disability module
  • 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 our advisor 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 CONVITArisk disability module:

Further information on CONVITArisk and the General and Additional Insurance Terms and Conditions: