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Calculate my coverage need

This needs calculator allows you to easily determine whether you should protect your loved ones financially. Your recommended coverage amount and duration are calculated. In any case it is worthwhile to use the calculator to get a better understanding for a coverage gap. The use is free of charge and only for your benefit.

How old are you?

What is your civil/marital status?

How many kids do you have?

How old is your youngest child?

What is your annual income?

CHF

Do you want to cover a mortgage or other debts?

Yes No

CHF

Do you have life insurance, savings or investments?

Yes No

CHF

Calculate

Why life insurance? Why with us?

What is the use of life insurance, and who can buy life insurance in the first place? With a life insurance policy you protect your family, your loved ones or those who are financially dependent on you in some way. Every resident of Switzerland between 18 and 60 years of age can take out a life insurance policy. The "problem" for you as a customer is that most other insurance providers want to make an appointment with you in order to sell you more expensive or additional insurances. That's why you can do the whole ordering process online with us - tailored to you.

What is pure term life insurance?

If you, as the insured person, pass away during the term you specify, our insurance company pays out a fixed sum of money to a beneficiary you specify beforehand. This life insurance therefore serves to financially protect your surviving dependents, your family or your children.

Would you like to know more?

Do you need detailed information about your life insurance or would you like to delve deeper into the topic? You can find more information in our blog entry here.

Obtain pure life insurance online

With a pure life insurance policy, you and your loved ones can enjoy life without worries. If something should happen to you, you know that your family is financially secure and can maintain their accustomed standard of living.

What is life insurance?

This type of insurance covers the risks that come with human life, such as financial shortfalls due to death. More precisely, it is individual insurance, as the life of a specific person is insured. In the event of an insured event, an agreed sum is paid out. The amount of this sum can be freely agreed upon between the insurance company and you as the insured person.

How does a pure life insurance policy work?

You choose the sum insured and the term of the insurance. To cover your family, it is recommended to ensure an amount that is three to five times your annual gross income. The amount of premiums you have to pay for your life insurance depends on various factors. Risk factors such as accident-prone hobbies, like base jumping, pre-existing conditions, or lifestyle, like smoking, will increase your pure life insurance premiums. The type of work you do also affects the premium. For example, a roofer naturally has a higher accident risk than an office worker.

Take out pure life insurance digitally

We will be happy to advise you on the topic of pure life insurance so that you can find the right option for you and your loved ones.

Just get in touch with us!

Only count children that live in your household and are dependent on you

Enter your gross yearly income

If you want your pure life insurance to also cover your mortgage or any other debts please click on yes and write down the amount to be covered.

Only consider your freely available savings, your freely available financial investments or any existing life insurance. Your Pillar 2 assets, pension entitlements and investments that your beneficiaries are not supposed to sell are not taken into account.

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On the basis of your information, we propose the following:

Basic

Recommended

Comfort

Deluxe

This is how we determinate your need.

On the basis of your information, we estimate the benefits that your relatives receive from the 1st and 2nd pillars. We deduct your current income from this amount. The resulting amount forms the gap to be covered. Any savings will be deducted from the gap and any debts will be added. For mortgages, we assume that 50% (Basic), 75% (Comfort) or 100% (Deluxe) of the mortgage will be paid off.

The duration of the insurance depends on how long your relatives should be financially secured. With Basic, your relatives should be covered until you reach retirement age or your youngest child reaches the age of 18. With Deluxe, your relatives should be covered until you reach retirement age or your youngest child reaches the age of 24. The Comfort option is a solution between Basic and Deluxe and allows your relatives to be comfortably financially secure.

For me, it is important to find a cheap solution that covers necessary financial needs. My dependents should have financial support until they can stand on their own feet again.

It’s important to me, that my dependents don’t have to worry about financial matters. Some moderate curtailments are acceptable.

It’s important to me, that my dependents are well protected financially. Even without me, they should not have to make curtailments in their lifestyle.

Based on your information, you probably don't need life insurance, since no one seems to be financially dependent on you at the moment.
It may still be a good idea, to see whether there might be possible coverage needs, especially if you are an entrepreneur.
Book your free check-up here and benefit from your personal needs analysis today.

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