In many situations, the benefits from the AHV/ AVS, IV/ AI schemes and from pension funds are not sufficient to maintain the accustomed standard of living.

In the case of illness – the most common cause of earning disability – newcomers to Switzerland who have only been making contributions for a short time are particularly at risk of income shortfalls.

It's easy to get protection in the event of death or earning disability, and the premiums are affordable.
 

Lidija Jezidzic, who specializes in advising newcomers, uses her own example to show your customers how they can avoid such shortfalls by taking out private risk insurance.

In the case of whole life insurance, the predetermined capital is paid out upon the death of the insured person. He or she can choose whom this goes to. Lidija Jezidzic recommends taking out such a policy when you purchase property, too. This is a simple way to protect the family's mortgage debt.

Earning disability insurance covers income shortfalls in the event of disability. In the case of families, risk cover is also recommended for the non-working or only partially employed parent as well as the children, as they generally only receive minimal benefits.

A professional pensions expert will help you find a tailored solution during a personal consultation. Connect with Helvetia's specialised advisors.