Caution: benefit losses

Thanks to the Swiss Federal Law on Occupational Retirement, Survivors' and Disability Pension Plans (BVG), insured persons can now finance their residential property with the assistance of a pension credit. If you draw money early from the pension fund to finance your own apartment or house, you must be aware that this will affect your social security benefits.

Depending on the pension fund regulations, you can expect losses in benefits in the event of disability. This is because your BVG funds have, of course, been reduced due to your early withdrawal.

Please note the following:

Remember that the pension fund benefits may also have to be used to secure your mortgage later. You will obtain additional benefits with risk insurance.

What we offer

With additional benefits in the form of a pension from a risk insurance policy, you can insure against pension fund benefit losses in the event of disability.  

Caution: benefit losses

If an insured person dies, depending on the regulations their dependent survivors must expect a lower widow's, widower's or orphan's benefit due to reduced capital.

Please note the following

Remember that the pension fund benefits may also have to be used to secure your mortgage later, after your death.

What we offer

With a death benefit you are insuring against the pension fund benefit losses that your loved ones would otherwise have to bear. The risk insurance provides additional benefits in the form of capital for your surviving dependents.  

Caution: benefit losses

Once you retire, after a premature withdrawal of pension funds (for your residential property) you will ultimately receive a lower pension.

Please note the following

Remember that the pension fund benefits may also have to be used to secure your mortgage later. With savings capital you will cover any shortfall arising in the pension fund.

What we offer

Pillar 3a ensures that you can amortise your mortgage during retirement. The 3a assets you save can be used to cover the shortfall due to early withdrawal from the pension fund.