{"id":11321,"date":"2026-03-03T04:27:33","date_gmt":"2026-03-03T04:27:33","guid":{"rendered":"https:\/\/www.vitafinance.ch\/life-insurance\/"},"modified":"2026-04-20T12:08:55","modified_gmt":"2026-04-20T12:08:55","slug":"life-insurance-comparison","status":"publish","type":"page","link":"https:\/\/www.vitafinance.ch\/en\/life-insurance-comparison\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"11321\" class=\"elementor elementor-11321 elementor-11229\" data-elementor-post-type=\"page\">\n\t\t\t\t<section class=\"elementor-element elementor-element-a89f4ca vt-comparison-header e-flex e-con-boxed e-con e-parent\" data-id=\"a89f4ca\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-629c28d e-con-full e-flex e-con e-child\" data-id=\"629c28d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-805c4be elementor-widget elementor-widget-heading\" data-id=\"805c4be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Life Insurance Comparison Switzerland<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c61614b elementor-widget elementor-widget-text-editor\" data-id=\"c61614b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><section class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-turn-id=\"request-69d4f872-a5c0-8329-9879-d0e0426af8ad-39\" data-testid=\"conversation-turn-206\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\"><div class=\"flex max-w-full flex-col gap-4 grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\" dir=\"auto\" tabindex=\"0\" data-message-author-role=\"assistant\" data-message-id=\"1b7f3871-f7ed-4ad4-976d-3e0645a641ff\" data-message-model-slug=\"gpt-5-3\" data-turn-start-message=\"true\"><div class=\"flex w-full flex-col gap-1 empty:hidden\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\"><p data-start=\"0\" data-end=\"399\" data-is-last-node=\"\" data-is-only-node=\"\">Pillar 3a is an important part of private retirement planning in Switzerland. Many people use a life insurance solution for this, which combines long-term saving with possible risk protection.<br>This combination makes the product more complex than a traditional retirement savings account. It is therefore important to understand how such policies work, what costs arise, and what return can realistically be expected.  <\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/section><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b8e31a elementor-icon-list--layout-inline elementor-hidden-mobile elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9b8e31a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"80\" viewBox=\"0 0 80 80\" fill=\"none\"><path d=\"M65.2114 8.9132C69.3661 7.62469 73.8288 7.88079 78.0716 8.57306C77.8756 11.3982 77.6117 14.2153 77.4317 17.0404C74.8885 16.5482 72.0534 16.032 69.6541 17.3085C67.6467 18.437 67.0348 20.9059 66.9189 23.0428C66.7909 26.0119 66.8749 28.9851 66.8629 31.9583C69.938 31.9703 73.0131 31.9503 76.0881 31.9703C76.0721 34.7954 76.1041 37.6245 76.0722 40.4536C72.9971 40.4536 69.926 40.4296 66.8509 40.4656C66.8669 50.9338 66.8429 61.4059 66.8629 71.874C63.5359 71.894 60.2089 71.91 56.8779 71.902C56.8699 61.4179 56.8819 50.9378 56.8739 40.4536C54.1267 40.4376 51.3795 40.4576 48.6323 40.4456C48.7003 37.6125 48.6523 34.7834 48.6763 31.9503C51.4035 31.9743 54.1347 31.9583 56.8659 31.9583C56.9938 26.296 56.358 20.3657 58.5893 15.0076C59.753 12.1185 62.2283 9.82556 65.2114 8.9132Z\" fill=\"#7F7F7F\"><\/path><path d=\"M1 31.9863C4.62692 31.9903 8.25784 31.9783 11.8848 31.9943C15.4237 41.334 18.9666 50.6736 22.5496 59.9973C23.1374 58.9689 23.4733 57.8285 23.9092 56.732C27.0762 48.4848 30.2473 40.2375 33.4023 31.9863C36.8213 31.9903 40.2443 31.9783 43.6673 31.9943C38.3049 45.2275 33.1744 58.5568 27.928 71.838C24.373 71.838 20.8181 71.838 17.2592 71.838C11.8528 58.5488 6.43038 45.2675 1 31.9863Z\" fill=\"#748260\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vita Finance Team<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Last updated: April 20 <span style=\"background-color: transparent\">, 2026<\/span><span style=\"background-color: transparent\"><\/span><br><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-373744b e-con-full e-flex e-con e-child\" data-id=\"373744b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-627c4f9 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"627c4f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"824\" height=\"714\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Group.webp\" class=\"attachment-full size-full wp-image-11369\" alt=\"franchise health insurance\" srcset=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Group.webp 824w, https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Group-300x260.webp 300w, https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Group-768x665.webp 768w\" sizes=\"(max-width: 824px) 100vw, 824px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-a4e593c insurance-comparison-tbl-sec e-flex e-con-boxed e-con e-parent\" data-id=\"a4e593c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e715cf3 elementor-widget elementor-widget-shortcode\" data-id=\"e715cf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">        <div class=\"vf-lic-modern\" data-current-term=\"25\">\n\n            <div class=\"vf-lic-header\">\n                <div class=\"vf-lic-header__text\">\n                    <h3>Life Insurance Comparison<\/h3>\n                    <p>Calculation basis: Male | Commercial employee | Non-smoker | BMI: 23 | Annual premium CHF 3&#039;000.- | incl. premium waiver (24-month waiting period)<\/p>\n                <\/div>\n            <\/div>\n\n            <div class=\"vf-lic-topbar\">\n                <div class=\"vf-lic-topbar__inner vf-lic-topbar__inner--single\">\n                    <div class=\"vf-lic-filter-block\">\n                        <label>Policy Term<\/label>\n                        <div class=\"vf-lic-pill-group vf-lic-pill-group--terms\" data-term-buttons>\n                                                            <button type=\"button\" class=\"vf-lic-pill\" data-term=\"15\">\n                                    15 years                                <\/button>\n                                                            <button type=\"button\" class=\"vf-lic-pill\" data-term=\"20\">\n                                    20 years                                <\/button>\n                                                            <button type=\"button\" class=\"vf-lic-pill is-active\" data-term=\"25\">\n                                    25 years                                <\/button>\n                                                            <button type=\"button\" class=\"vf-lic-pill\" data-term=\"30\">\n                                    30 years                                <\/button>\n                                                            <button type=\"button\" class=\"vf-lic-pill\" data-term=\"35\">\n                                    35 years                                <\/button>\n                                                            <button type=\"button\" class=\"vf-lic-pill\" data-term=\"40\">\n                                    40 years                                <\/button>\n                                                    <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"vf-lic-compare-toolbar\">\n                <div class=\"vf-lic-compare-toolbar__spacer\"><\/div>\n                <div class=\"vf-lic-compare-toolbar__content\">\n                    <div class=\"vf-lic-scroll-nav\">\n                        <button type=\"button\" class=\"vf-lic-scroll-btn vf-lic-scroll-btn--left\" aria-label=\"Scroll left\">\u2039<\/button>\n                        <button type=\"button\" class=\"vf-lic-scroll-btn vf-lic-scroll-btn--right\" aria-label=\"Scroll right\">\u203a<\/button>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"vf-lic-comparison-shell\">\n                <div class=\"vf-lic-sticky-column\">\n                    <div class=\"vf-lic-feature-list\">\n                                                    <div class=\"vf-lic-feature-row vf-lic-feature-row--header\" data-row-id=\"provider\">\n                                <span>Company<\/span>\n                                                            <\/div>\n                                                        <div class=\"vf-lic-feature-row\" data-row-id=\"product\">\n                                <span>Product Name<\/span>\n                                                            <\/div>\n                                                        <div class=\"vf-lic-feature-row\" data-row-id=\"cta\">\n                                <span>Offer<\/span>\n                                                            <\/div>\n                                                        <div class=\"vf-lic-feature-row\" data-row-id=\"aktienanteil\">\n                                <span>Share of Equity<\/span>\n                                                            <\/div>\n                                                        <div class=\"vf-lic-feature-row vf-lic-feature-row--hero\" data-row-id=\"projected_survival_benefit\">\n                                <span>Projected Survival Benefit<\/span>\n                                                            <\/div>\n                                                        <div class=\"vf-lic-feature-row\" data-row-id=\"gross_return\">\n                                <span>Gross Return<\/span>\n                                                            <\/div>\n                                                        <div class=\"vf-lic-feature-row\" data-row-id=\"return_reduction\">\n                                <span>Return Reduction<\/span>\n                                                            <\/div>\n                                                        <div class=\"vf-lic-feature-row\" data-row-id=\"net_return\">\n                                <span>Net Return<\/span>\n                                                            <\/div>\n                                                        <div class=\"vf-lic-feature-row\" data-row-id=\"death_benefit_guarantee\">\n                                <span>Death Benefit<\/span>\n                                                            <\/div>\n                                                        <div class=\"vf-lic-feature-row\" data-row-id=\"survival_benefit_guarantee\">\n                                <span>Survival Benefit Guarantee<\/span>\n                                                            <\/div>\n                                                        <div class=\"vf-lic-feature-row\" data-row-id=\"risk_premium\">\n                                <span>Risk Premium<\/span>\n                                                            <\/div>\n                                                        <div class=\"vf-lic-feature-row\" data-row-id=\"possible_funds\">\n                                <span>Possible Funds<\/span>\n                                                            <\/div>\n                                                        <div class=\"vf-lic-feature-row\" data-row-id=\"premium_suspension_possible\">\n                                <span>Premium Suspension Possible<\/span>\n                                                            <\/div>\n                                                <\/div>\n                <\/div>\n\n                <div class=\"vf-lic-products-area\">\n                    <div class=\"vf-lic-products-track\" data-products-track>\n                                    <div class=\"vf-lic-product-card is-best\" data-product-card data-id=\"12368\">\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--header\" data-row-id=\"provider\">\n                    <div class=\"vf-lic-provider-logo\">\n                        <img decoding=\"async\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Axa.webp\" alt=\"Axa Smartflex 25\">                    <\/div>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--productname\" data-row-id=\"product\">\n                    <strong>SmartFlex<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"cta\">\n                                            <a href=\"https:\/\/www.vitafinance.ch\/lebensversicherung-offerte\/?gesellschaft=AXA%20SmartFlex\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vf-lic-cta-button is-apply\">Apply<\/a>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--equity\" data-row-id=\"aktienanteil\" data-equity=\"100\">\n                    <strong>100%<\/strong>\n                                            <div class=\"vf-lic-progress\" aria-hidden=\"true\"><span style=\"width: 100%;\"><\/span><\/div>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--survival\" data-row-id=\"projected_survival_benefit\" data-survival=\"156017\">\n                    <span class=\"vf-lic-cell-badge vf-lic-cell-badge--survival\" >\ud83c\udfc6 Top value<\/span>\n                    <strong>CHF 156&#039;017<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"gross_return\">\n                    <span>7.09%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"return_reduction\">\n                    <span>1.44%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--return\" data-row-id=\"net_return\" data-net-return=\"5.65\">\n                    <strong>5.65%<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"death_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">Value of the earnings and security account \r\n<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"survival_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--risk\" data-row-id=\"risk_premium\">\n                    <span>CHF 8.30<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--funds\" data-row-id=\"possible_funds\">\n                    <div class=\"vf-lic-fund-list\"><span class=\"vf-lic-fund-chip\">Global Equity<\/span><span class=\"vf-lic-fund-chip\">Swiss Equity<\/span><span class=\"vf-lic-fund-chip\">Trends Equity<\/span><span class=\"vf-lic-fund-chip\">Sustainable Equity<\/span><\/div>                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--icon\" data-row-id=\"premium_suspension_possible\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/check-mark-icon.svg\" alt=\"\">\n                                    <\/div>\n            <\/div>\n                        <div class=\"vf-lic-product-card\" data-product-card data-id=\"12358\">\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--header\" data-row-id=\"provider\">\n                    <div class=\"vf-lic-provider-logo\">\n                        <img decoding=\"async\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Pax.webp\" alt=\"Pax TerzaFondsStar 25\">                    <\/div>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--productname\" data-row-id=\"product\">\n                    <strong>TerzaFondsStar<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"cta\">\n                                            <a href=\"https:\/\/www.vitafinance.ch\/lebensversicherung-offerte\/?gesellschaft=PAX%20TerzaFondsStar\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vf-lic-cta-button is-apply\">Apply<\/a>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--equity\" data-row-id=\"aktienanteil\" data-equity=\"100\">\n                    <strong>100%<\/strong>\n                                            <div class=\"vf-lic-progress\" aria-hidden=\"true\"><span style=\"width: 100%;\"><\/span><\/div>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--survival\" data-row-id=\"projected_survival_benefit\" data-survival=\"154082\">\n                    <span class=\"vf-lic-cell-badge vf-lic-cell-badge--survival\" hidden>\ud83c\udfc6 Top value<\/span>\n                    <strong>CHF 154&#039;082<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"gross_return\">\n                    <span>7.10%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"return_reduction\">\n                    <span>1.77%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--return\" data-row-id=\"net_return\" data-net-return=\"5.33\">\n                    <strong>5.33%<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"death_benefit_guarantee\">\n                    <span>CHF 2&#039;929<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">if higher -&gt; value + 5% of the guaranteed capital <\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"survival_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--risk\" data-row-id=\"risk_premium\">\n                    <span>CHF 5.90<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--funds\" data-row-id=\"possible_funds\">\n                    <div class=\"vf-lic-fund-list\"><span class=\"vf-lic-fund-chip\">Sustainable Equity<\/span><span class=\"vf-lic-fund-chip\">Sustainable Portfolio<\/span><span class=\"vf-lic-fund-chip\">UBS MSCI World Selection<\/span><\/div>                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--icon\" data-row-id=\"premium_suspension_possible\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/check-mark-icon.svg\" alt=\"\">\n                                    <\/div>\n            <\/div>\n                        <div class=\"vf-lic-product-card\" data-product-card data-id=\"12556\">\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--header\" data-row-id=\"provider\">\n                    <div class=\"vf-lic-provider-logo\">\n                        <img decoding=\"async\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Swiss-Life.webp\" alt=\"Swisslife Life Opportunities Duo 25\">                    <\/div>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--productname\" data-row-id=\"product\">\n                    <strong>Oppurtunities Duo<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"cta\">\n                                            <a href=\"https:\/\/www.vitafinance.ch\/lebensversicherung-offerte\/?gesellschaft=Swisslife%20OppurtunitiesDuo\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vf-lic-cta-button is-apply\">Apply<\/a>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--equity\" data-row-id=\"aktienanteil\" data-equity=\"100\">\n                    <strong>100%<\/strong>\n                                            <div class=\"vf-lic-progress\" aria-hidden=\"true\"><span style=\"width: 100%;\"><\/span><\/div>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--survival\" data-row-id=\"projected_survival_benefit\" data-survival=\"143909\">\n                    <span class=\"vf-lic-cell-badge vf-lic-cell-badge--survival\" hidden>\ud83c\udfc6 Top value<\/span>\n                    <strong>CHF 143&#039;909<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"gross_return\">\n                    <span>7.10%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"return_reduction\">\n                    <span>2.14%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--return\" data-row-id=\"net_return\" data-net-return=\"4.96\">\n                    <strong>4.96%<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"death_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">Value of the fund balance<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"survival_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">Value of the fund balance<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--risk\" data-row-id=\"risk_premium\">\n                    <span>CHF 4.00<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--funds\" data-row-id=\"possible_funds\">\n                    <div class=\"vf-lic-fund-list\"><span class=\"vf-lic-fund-chip\">Swiss Life Funds III (CH) Equity Global Cap<\/span><\/div>                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--icon\" data-row-id=\"premium_suspension_possible\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/check-mark-icon.svg\" alt=\"\">\n                                    <\/div>\n            <\/div>\n                        <div class=\"vf-lic-product-card\" data-product-card data-id=\"12390\">\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--header\" data-row-id=\"provider\">\n                    <div class=\"vf-lic-provider-logo\">\n                        <img decoding=\"async\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Helvetia-_-Baloise.webp\" alt=\"Helvetia Performance Plan 25\">                    <\/div>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--productname\" data-row-id=\"product\">\n                    <strong>Performanceplan<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"cta\">\n                                            <a href=\"https:\/\/www.vitafinance.ch\/lebensversicherung-offerte\/?gesellschaft=Helvetia%20Performanceplan\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vf-lic-cta-button is-apply\">Apply<\/a>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--equity\" data-row-id=\"aktienanteil\" data-equity=\"100\">\n                    <strong>100%<\/strong>\n                                            <div class=\"vf-lic-progress\" aria-hidden=\"true\"><span style=\"width: 100%;\"><\/span><\/div>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--survival\" data-row-id=\"projected_survival_benefit\" data-survival=\"142469\">\n                    <span class=\"vf-lic-cell-badge vf-lic-cell-badge--survival\" hidden>\ud83c\udfc6 Top value<\/span>\n                    <strong>CHF 142&#039;469<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"gross_return\">\n                    <span>7.10%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"return_reduction\">\n                    <span>2.30%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--return\" data-row-id=\"net_return\" data-net-return=\"4.8\">\n                    <strong>4.80%<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"death_benefit_guarantee\">\n                    <span>CHF 3&#039;000<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">Value of the fund units<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"survival_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">Value of the fund units<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--risk\" data-row-id=\"risk_premium\">\n                    <span>CHF 3.80<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--funds\" data-row-id=\"possible_funds\">\n                    <div class=\"vf-lic-fund-list\"><span class=\"vf-lic-fund-chip\">Helvetia Allegra 30 A2<\/span><span class=\"vf-lic-fund-chip\">50 A2<\/span><span class=\"vf-lic-fund-chip\">85 A2<\/span><span class=\"vf-lic-fund-chip\">ONE A2<\/span><span class=\"vf-lic-fund-chip\">Allianz US Equity<\/span><span class=\"vf-lic-fund-chip\">BGF World Gold Fund<\/span><span class=\"vf-lic-fund-chip\">BGF World Mining Fund<\/span><\/div>                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--icon\" data-row-id=\"premium_suspension_possible\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/check-mark-icon.svg\" alt=\"\">\n                                    <\/div>\n            <\/div>\n                        <div class=\"vf-lic-product-card\" data-product-card data-id=\"12554\">\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--header\" data-row-id=\"provider\">\n                    <div class=\"vf-lic-provider-logo\">\n                        <img decoding=\"async\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Swiss-Life.webp\" alt=\"Swisslife Life Dynamic Elements Duo 25\">                    <\/div>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--productname\" data-row-id=\"product\">\n                    <strong>Life Dynamic Elements Duo<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"cta\">\n                                            <a href=\"https:\/\/www.vitafinance.ch\/lebensversicherung-offerte\/?gesellschaft=Swisslife%20LifeDynamicElementsDuo\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vf-lic-cta-button is-apply\">Apply<\/a>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--equity\" data-row-id=\"aktienanteil\" data-equity=\"95\">\n                    <strong>95%<\/strong>\n                                            <div class=\"vf-lic-progress\" aria-hidden=\"true\"><span style=\"width: 95%;\"><\/span><\/div>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--survival\" data-row-id=\"projected_survival_benefit\" data-survival=\"141820\">\n                    <span class=\"vf-lic-cell-badge vf-lic-cell-badge--survival\" hidden>\ud83c\udfc6 Top value<\/span>\n                    <strong>CHF 141&#039;820<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"gross_return\">\n                    <span>6.92%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"return_reduction\">\n                    <span>2.05%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--return\" data-row-id=\"net_return\" data-net-return=\"4.87\">\n                    <strong>4.87%<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"death_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">Value of the security and fund account<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"survival_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">Value of the security and fund account<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--risk\" data-row-id=\"risk_premium\">\n                    <span>CHF 4.40<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--funds\" data-row-id=\"possible_funds\">\n                    <div class=\"vf-lic-fund-list\"><span class=\"vf-lic-fund-chip\">Swiss Life Funds (LUX)<\/span><span class=\"vf-lic-fund-chip\">Swiss Life iFunds (CH)<\/span><span class=\"vf-lic-fund-chip\">iShares Core FTSE 100 UCITS ETF GBP Dist<\/span><span class=\"vf-lic-fund-chip\">iShares MSCI Yespan UCITS  ETF USD Dist<\/span><\/div>                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--icon\" data-row-id=\"premium_suspension_possible\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/check-mark-icon.svg\" alt=\"\">\n                                    <\/div>\n            <\/div>\n                        <div class=\"vf-lic-product-card\" data-product-card data-id=\"12363\">\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--header\" data-row-id=\"provider\">\n                    <div class=\"vf-lic-provider-logo\">\n                        <img decoding=\"async\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Pax.webp\" alt=\"Pax TerzaLifeStar 25\">                    <\/div>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--productname\" data-row-id=\"product\">\n                    <strong>TerzaLifeStar<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"cta\">\n                                            <a href=\"https:\/\/www.vitafinance.ch\/lebensversicherung-offerte\/?gesellschaft=PAX%20TerzaLifeStar\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vf-lic-cta-button is-apply\">Apply<\/a>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--equity\" data-row-id=\"aktienanteil\" data-equity=\"99\">\n                    <strong>99%<\/strong>\n                                            <div class=\"vf-lic-progress\" aria-hidden=\"true\"><span style=\"width: 99%;\"><\/span><\/div>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--survival\" data-row-id=\"projected_survival_benefit\" data-survival=\"134065\">\n                    <span class=\"vf-lic-cell-badge vf-lic-cell-badge--survival\" hidden>\ud83c\udfc6 Top value<\/span>\n                    <strong>CHF 134&#039;065<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"gross_return\">\n                    <span>6.88%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"return_reduction\">\n                    <span>2.50%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--return\" data-row-id=\"net_return\" data-net-return=\"4.38\">\n                    <strong>4.38%<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"death_benefit_guarantee\">\n                    <span>CHF 2&#039;929<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">if higher -&gt; value + 5% of the guaranteed capital <\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"survival_benefit_guarantee\">\n                    <span>CHF 14&#039;546<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--risk\" data-row-id=\"risk_premium\">\n                    <span>CHF 5.90<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--funds\" data-row-id=\"possible_funds\">\n                    <div class=\"vf-lic-fund-list\"><span class=\"vf-lic-fund-chip\">Sustainable Equity<\/span><span class=\"vf-lic-fund-chip\">Sustainable Portfolio<\/span><span class=\"vf-lic-fund-chip\">UBS MSCI World Selection<\/span><\/div>                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--icon\" data-row-id=\"premium_suspension_possible\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/check-mark-icon.svg\" alt=\"\">\n                                    <\/div>\n            <\/div>\n                        <div class=\"vf-lic-product-card\" data-product-card data-id=\"12593\">\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--header\" data-row-id=\"provider\">\n                    <div class=\"vf-lic-provider-logo\">\n                        <img decoding=\"async\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Vaudoise.webp\" alt=\"Vaudoise RythmoInvest 25\">                    <\/div>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--productname\" data-row-id=\"product\">\n                    <strong>RythmoInvest<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"cta\">\n                                            <a href=\"https:\/\/www.vitafinance.ch\/lebensversicherung-offerte\/?gesellschaft=Vaudoise%20RythmoInvest\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vf-lic-cta-button is-apply\">Apply<\/a>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--equity\" data-row-id=\"aktienanteil\" data-equity=\"\">\n                    <strong>\u2014<\/strong>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--survival\" data-row-id=\"projected_survival_benefit\" data-survival=\"117069\">\n                    <span class=\"vf-lic-cell-badge vf-lic-cell-badge--survival\" hidden>\ud83c\udfc6 Top value<\/span>\n                    <strong>CHF 117&#039;069<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"gross_return\">\n                    <span>5.32%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"return_reduction\">\n                    <span>1.77%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--return\" data-row-id=\"net_return\" data-net-return=\"3.55\">\n                    <strong>3.55%<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"death_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">value of savings<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"survival_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--risk\" data-row-id=\"risk_premium\">\n                    <span>CHF 9.75<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--funds\" data-row-id=\"possible_funds\">\n                    <div class=\"vf-lic-fund-list\"><span class=\"vf-lic-fund-chip\">Vaudoise Umbrella Fund - Dynamic<\/span><span class=\"vf-lic-fund-chip\">Vaudoise Umbrella Fund- Balanced<\/span><span class=\"vf-lic-fund-chip\">Vaudoise Umbrella Fund - Defensive<\/span><\/div>                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--icon\" data-row-id=\"premium_suspension_possible\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/check-mark-icon.svg\" alt=\"\">\n                                    <\/div>\n            <\/div>\n                        <div class=\"vf-lic-product-card\" data-product-card data-id=\"12316\">\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--header\" data-row-id=\"provider\">\n                    <div class=\"vf-lic-provider-logo\">\n                        <img decoding=\"async\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Mobiliar.webp\" alt=\"\">                    <\/div>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--productname\" data-row-id=\"product\">\n                    <strong>Wandelbare Sparversicherung<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"cta\">\n                                            <a href=\"https:\/\/www.vitafinance.ch\/lebensversicherung-offerte\/?gesellschaft=Mobiliar%20Wandelbaresparversicherung\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vf-lic-cta-button is-apply\">Apply<\/a>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--equity\" data-row-id=\"aktienanteil\" data-equity=\"90\">\n                    <strong>90%<\/strong>\n                                            <div class=\"vf-lic-progress\" aria-hidden=\"true\"><span style=\"width: 90%;\"><\/span><\/div>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--survival\" data-row-id=\"projected_survival_benefit\" data-survival=\"111507\">\n                    <span class=\"vf-lic-cell-badge vf-lic-cell-badge--survival\" hidden>\ud83c\udfc6 Top value<\/span>\n                    <strong>CHF 111&#039;507<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"gross_return\">\n                    <span>5.60%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"return_reduction\">\n                    <span>2.29%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--return\" data-row-id=\"net_return\" data-net-return=\"3.31\">\n                    <strong>3.31%<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"death_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">101% of the accumulated savings balance<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"survival_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">Value of the policy balance<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--risk\" data-row-id=\"risk_premium\">\n                    <span>CHF 9.70<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--funds\" data-row-id=\"possible_funds\">\n                    <div class=\"vf-lic-fund-list\"><span class=\"vf-lic-fund-chip\">MobiFonds Select 30<\/span><span class=\"vf-lic-fund-chip\">MobiFonds Select 60<\/span><span class=\"vf-lic-fund-chip\">MobiFonds Select 90<\/span><span class=\"vf-lic-fund-chip\">Mobili\u00e8re Community - Sustainable Gaols Fund<\/span><span class=\"vf-lic-fund-chip\">Mobili\u00e8re Invest Funds<\/span><span class=\"vf-lic-fund-chip\">Mobiliar Strategiefonds<\/span><span class=\"vf-lic-fund-chip\">Mobiliar One Invest<\/span><\/div>                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--icon\" data-row-id=\"premium_suspension_possible\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/check-mark-icon.svg\" alt=\"\">\n                                    <\/div>\n            <\/div>\n                        <div class=\"vf-lic-product-card\" data-product-card data-id=\"12347\">\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--header\" data-row-id=\"provider\">\n                    <div class=\"vf-lic-provider-logo\">\n                        <img decoding=\"async\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Swiss-Life.webp\" alt=\"Swisslife Life Dynamic Immo Element Duo 25\">                    <\/div>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--productname\" data-row-id=\"product\">\n                    <strong>Life Dynamic Immo Element Duo <\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"cta\">\n                                            <a href=\"https:\/\/www.vitafinance.ch\/lebensversicherung-offerte\/?gesellschaft=Swisslife%20LifeDynamicImmoElementDuo\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vf-lic-cta-button is-apply\">Apply<\/a>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--equity\" data-row-id=\"aktienanteil\" data-equity=\"95\">\n                    <strong>95%<\/strong>\n                                            <div class=\"vf-lic-progress\" aria-hidden=\"true\"><span style=\"width: 95%;\"><\/span><\/div>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--survival\" data-row-id=\"projected_survival_benefit\" data-survival=\"106909\">\n                    <span class=\"vf-lic-cell-badge vf-lic-cell-badge--survival\" hidden>\ud83c\udfc6 Top value<\/span>\n                    <strong>CHF 106&#039;909<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"gross_return\">\n                    <span>5.46%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"return_reduction\">\n                    <span>2.63%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--return\" data-row-id=\"net_return\" data-net-return=\"2.83\">\n                    <strong>2.83%<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"death_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">Value of the security and fund balance<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"survival_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">Value of the security and fund balance<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--risk\" data-row-id=\"risk_premium\">\n                    <span>CHF 4.00<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--funds\" data-row-id=\"possible_funds\">\n                    <div class=\"vf-lic-fund-list\"><span class=\"vf-lic-fund-chip\">Swiss Life REF (LUX)<\/span><span class=\"vf-lic-fund-chip\">Swiss Life REF (CH)<\/span><\/div>                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--icon\" data-row-id=\"premium_suspension_possible\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/check-mark-icon.svg\" alt=\"\">\n                                    <\/div>\n            <\/div>\n                        <div class=\"vf-lic-product-card\" data-product-card data-id=\"12341\">\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--header\" data-row-id=\"provider\">\n                    <div class=\"vf-lic-provider-logo\">\n                        <img decoding=\"async\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Swiss-Life.webp\" alt=\"Swisslife Life FlexSave Duo 25\">                    <\/div>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--productname\" data-row-id=\"product\">\n                    <strong>FlexSave Duo<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"cta\">\n                                            <a href=\"https:\/\/www.vitafinance.ch\/lebensversicherung-offerte\/?gesellschaft=Swisslife%20FlexSaveDuo\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vf-lic-cta-button is-apply\">Apply<\/a>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--equity\" data-row-id=\"aktienanteil\" data-equity=\"\">\n                    <strong>\u2014<\/strong>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--survival\" data-row-id=\"projected_survival_benefit\" data-survival=\"91388\">\n                    <span class=\"vf-lic-cell-badge vf-lic-cell-badge--survival\" hidden>\ud83c\udfc6 Top value<\/span>\n                    <strong>CHF 91&#039;388<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"gross_return\">\n                    <span>3.06%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"return_reduction\">\n                    <span>1.38%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--return\" data-row-id=\"net_return\" data-net-return=\"1.68\">\n                    <strong>1.68%<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"death_benefit_guarantee\">\n                    <span>CHF 15&#039;571<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">Increases annually by 1,946<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"survival_benefit_guarantee\">\n                    <span>CHF 62&#039;285<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">The guaranteed minimum payout may increase through participation gains and surpluses<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--risk\" data-row-id=\"risk_premium\">\n                    <span>CHF 4.00<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--funds\" data-row-id=\"possible_funds\">\n                    <div class=\"vf-lic-fund-list\"><span class=\"vf-lic-fund-chip\">Swiss Life REF (LUX)<\/span><span class=\"vf-lic-fund-chip\">Swiss Life REF (CH)<\/span><\/div>                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--icon\" data-row-id=\"premium_suspension_possible\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/check-mark-icon.svg\" alt=\"\">\n                                    <\/div>\n            <\/div>\n                        <div class=\"vf-lic-product-card\" data-product-card data-id=\"12322\">\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--header\" data-row-id=\"provider\">\n                    <div class=\"vf-lic-provider-logo\">\n                        <img decoding=\"async\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/Helvetia-_-Baloise.webp\" alt=\"Helvetia Vorsorgeplan 25\">                    <\/div>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--productname\" data-row-id=\"product\">\n                    <strong>Vorsorgeplan<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"cta\">\n                                            <a href=\"https:\/\/www.vitafinance.ch\/lebensversicherung-offerte\/?gesellschaft=Helvetia%20Vorsorgeplan\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vf-lic-cta-button is-apply\">Apply<\/a>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--equity\" data-row-id=\"aktienanteil\" data-equity=\"\">\n                    <strong>\u2014<\/strong>\n                                                        <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--survival\" data-row-id=\"projected_survival_benefit\" data-survival=\"83914\">\n                    <span class=\"vf-lic-cell-badge vf-lic-cell-badge--survival\" hidden>\ud83c\udfc6 Top value<\/span>\n                    <strong>CHF 83&#039;914<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"gross_return\">\n                    <span>2.50%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"return_reduction\">\n                    <span>1.30%<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--return\" data-row-id=\"net_return\" data-net-return=\"1.2\">\n                    <strong>1.20%<\/strong>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"death_benefit_guarantee\">\n                    <span>CHF 0<\/span>\n                    <span class=\"vf-lic-info-icon\" tabindex=\"0\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/info-icon.svg\" alt=\"Info\"><span class=\"vf-lic-tooltip\">Corresponds to the policy reserve<\/span><\/span>                <\/div>\n\n                <div class=\"vf-lic-data-cell\" data-row-id=\"survival_benefit_guarantee\">\n                    <span>CHF 59&#039;817<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--risk\" data-row-id=\"risk_premium\">\n                    <span>CHF 5.00<\/span>\n                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--funds\" data-row-id=\"possible_funds\">\n                    <div class=\"vf-lic-fund-list\"><span class=\"vf-lic-fund-chip\">Helvetia Allegra 30 A1<\/span><span class=\"vf-lic-fund-chip\">50 A1<\/span><span class=\"vf-lic-fund-chip\">85 A1<\/span><\/div>                                    <\/div>\n\n                <div class=\"vf-lic-data-cell vf-lic-data-cell--icon\" data-row-id=\"premium_suspension_possible\">\n                    <img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/11\/check-mark-icon.svg\" alt=\"\">\n                                    <\/div>\n            <\/div>\n                                <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n        <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-849f2bb disclaimer-text elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"849f2bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-14107bb e-con-full e-flex e-con e-child\" data-id=\"14107bb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b5075d elementor-widget elementor-widget-text-editor\" data-id=\"7b5075d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vita Finance GmbH is an independent insurance intermediary and is subject to the information obligations pursuant to Art. 45 VAG (Swiss Insurance Supervision Act). We work with several licensed Swiss insurance providers and receive remuneration exclusively for successfully mediated contracts. Our primary objective is to act in the best interests of our clients. We do not manage customer funds directly and strictly comply with all Swiss data protection regulations (FADP). All personal data is processed securely and confidentially.    <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-d9ea429 vt-services-detail-page legal-protection e-flex e-con-boxed e-con e-parent\" data-id=\"d9ea429\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a98b8d7 e-con-full vt-services-detail-page-left e-flex e-con e-child\" data-id=\"a98b8d7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af75b7b elementor-widget elementor-widget-image\" data-id=\"af75b7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2025\/04\/Fabio.png\" class=\"attachment-full size-full wp-image-4461 not-transparent\" alt=\"\" srcset=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2025\/04\/Fabio.png 500w, https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2025\/04\/Fabio-300x300.png 300w, https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2025\/04\/Fabio-150x150.png 150w\" sizes=\"(max-width: 500px) 100vw, 500px\" data-has-transparency=\"false\" data-dominant-color=\"8c898f\" style=\"--dominant-color: #8c898f\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d4042a elementor-widget elementor-widget-heading\" data-id=\"2d4042a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Schedule an appointment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6442aa elementor-widget elementor-widget-text-editor\" data-id=\"a6442aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our retirement planning expert Fabio Machado is happy to assist you if you have questions about life insurance or Pillar 3a solutions. If you are unsure which solution best fits your personal retirement strategy or would like an individual calculation, he will gladly support you. <\/p><p>You can easily schedule a free and non-binding consultation using the button below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba6cc88 elementor-widget elementor-widget-button\" data-id=\"ba6cc88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/outlook.office.com\/book\/VitaFinanceRechtsschutzberatungKopie@vitafinance.ch\/?ismsaljsauthenabled\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book an appointment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-617462a vt-services-detail-page-right legal-insurance-text-sec e-con-full e-flex e-con e-child\" data-id=\"617462a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be9f4fd elementor-widget elementor-widget-text-editor\" data-id=\"be9f4fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>What is a life insurance solution within Pillar 3a?<\/strong><\/h2><p>A life insurance policy within a tied pension plan is a so-called mixed insurance policy. This means it combines two elements in one policy. <\/p><ul><li>First, saving for retirement.<\/li><li>Secondly, risk protection for certain life events.<\/li><\/ul><p>The savings component ensures that capital is built up over many years. The risk component protects against financial consequences in the event of disability or death. <\/p><p>You can imagine it like a house with two supporting pillars:<\/p><ul><li>Without a savings process, there is no retirement capital.<\/li><li>Without risk protection, there is no financial protection for family or livelihood.<\/li><\/ul><p>Depending on the product, the focus can vary. Some solutions prioritize security and the most stable possible growth of the accumulated capital. Other options invest a larger portion of the money in stocks and other securities, thus offering higher long-term return opportunities, but are also subject to greater fluctuations.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3975635 elementor-widget elementor-widget-image\" data-id=\"3975635\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1600\" height=\"650\" src=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/ee3ab19a-74a3-45f0-b408-8120c11e6c44_large.webp\" class=\"attachment-full size-full wp-image-11256\" alt=\"franchise health insurance\" srcset=\"https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/ee3ab19a-74a3-45f0-b408-8120c11e6c44_large.webp 1600w, https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/ee3ab19a-74a3-45f0-b408-8120c11e6c44_large-300x122.webp 300w, https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/ee3ab19a-74a3-45f0-b408-8120c11e6c44_large-1024x416.webp 1024w, https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/ee3ab19a-74a3-45f0-b408-8120c11e6c44_large-768x312.webp 768w, https:\/\/www.vitafinance.ch\/wp-content\/uploads\/2026\/03\/ee3ab19a-74a3-45f0-b408-8120c11e6c44_large-1536x624.webp 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e65911 elementor-widget elementor-widget-text-editor\" data-id=\"7e65911\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>How exactly does such a policy work?<\/strong><\/h2><p>Those who take out a life insurance policy in Pillar 3a commit to regular payments, usually annually or monthly. This fixed structure has both advantages and disadvantages. On the one hand, it creates a certain obligation to continuously build up capital over many years. On the other hand, this very regularity can help to consistently save and achieve long-term retirement goals.   <\/p><p>The so-called pressure to cut costs ensures that:<\/p><ul><li>capital is systematically built up<\/li><li>Preventive care should not be postponed<\/li><li>Long-term goals can be achieved more realistically.<\/li><\/ul><p>Many people know they should save for retirement, but without a solid structure, they don&#8217;t consistently implement it. This is where insurance provides predictability. The retirement savings goal becomes binding.  <\/p><p>The premium paid in is divided into:<\/p><ul><li>Savings share<\/li><li>Risk premium<\/li><li>Cost share<\/li><\/ul><p>The savings portion is invested, either with a high level of guarantee or more securities-oriented with funds and stocks.<\/p><p>Especially with unit-linked policies, the equity component plays a central role. The higher this component, the greater the long-term return potential. However, fluctuations are also greater.  <\/p><h2><strong>What benefits does a life insurance policy in pillar 3a offer?<\/strong><\/h2><p>One advantage lies in the so-called all-in-one structure. A single policy can fulfill several functions: <\/p><ul><li>Building capital for retirement<\/li><li>Guaranteed minimum performance<\/li><li>Death benefit<\/li><li>Premium exemption in case of incapacity for work<\/li><\/ul><p>The guaranteed maturity benefit defines the minimum amount that will be paid out at the end of the term. In addition, a projected benefit is shown, based on a medium market scenario. <\/p><p>In the event of death, a contractually defined guarantee is paid out. Additionally, modern policies almost always include a premium waiver. This means that if the insured person becomes unable to work, the insurance company takes over the further premium payments.  <\/p><p>Optionally, additional risk components can be integrated, for example:<\/p><ul><li>additional death benefit<\/li><li>Disability pension<\/li><\/ul><p>However, caution is advised. Such additional coverage increases the risk premiums within the policy, thereby reducing the savings portion and long-term returns. Therefore, the amount and need for these benefits should always be calculated individually.  <\/p><h2><strong>Plan risk components correctly<\/strong><\/h2><p>Death benefits and disability pensions should never be chosen as a lump sum. They must be calculated individually. <\/p><p>A sound retirement plan takes the following into account:<\/p><ul><li>existing mortgages<\/li><li>Family structure<\/li><li>income<\/li><li>Pension provision from the first and second pillars<\/li><li>Assets<\/li><\/ul><p>Those who integrate these risks into a policy without proper assessment often pay unnecessarily high risk premiums. And every additional risk premium reduces the savings portion and thus the long-term net return. <\/p><p>Therefore, the following applies: Risk components must be analyzed individually. The policy itself should primarily focus on capital accumulation. <\/p><h2><strong>Guarantee or return?<\/strong><\/h2><p>A high warranty sounds reassuring. It means security and predictability. But warranties come at a price.  <\/p><p>To ensure a high guaranteed maturity benefit, the insurer must invest more conservatively. This generally leads to: <\/p><ul><li>lower shareholding<\/li><li>lower securities allocation<\/li><li>higher security requirements<\/li><\/ul><p>The result is generally lower long-term return potential. While guarantees increase predictability, they usually reduce the proportion of stocks and other higher-yielding investments. <\/p><p>Fund-linked solutions with a higher equity allocation therefore often offer greater growth potential. At the same time, they are exposed to greater market fluctuations. Short-term losses or price fluctuations are possible and are inherent to securities-based investments.  <\/p><p>The investment horizon is therefore crucial. The longer the term of a life insurance policy, the better fluctuations in the financial markets can be smoothed out over time. <\/p><p>In practice, this means that for short investment periods of less than about 15 years, an insurance solution often makes little sense. The cost structure and limited flexibility have a greater impact with short investment horizons, while the long-term advantages of a unit-linked investment are barely noticeable. Life insurance policies in Pillar 3a typically only realize their full potential over longer periods of 20, 25, or 30 years.  <\/p><h2><strong>Flexibility and duration<\/strong><\/h2><p>A frequent criticism concerns the policy term. Early termination is possible, but often financially unattractive. Especially in the first few years, the surrender value is lower than the premiums paid. This makes the long-term commitment the biggest disadvantage of this insurance solution.   <\/p><p>Differences between providers become apparent in life insurance comparisons when adjustments are made:<\/p><ul><li>Some only allow minimal changes.<\/li><li>Others offer flexible adjustments between guarantee and return within the policy.<\/li><li>The fund selection can be partially changed.<\/li><\/ul><p>A positive aspect to highlight is the option to suspend premium payments. Many providers offer this option without complications if your financial situation temporarily changes. <\/p><h2><strong>Costs and reduction in returns<\/strong><\/h2><p>The most important and simultaneously most opaque aspect is the cost. Life insurance is a comprehensive package. The customer cannot directly see where their premium goes.  <\/p><p>Typically, the following occur:<\/p><ul><li>Closing costs: These cover consulting, administration, and sales. They are usually billed over several years. <\/li><li>Administrative costs: Ongoing costs for contract management.<\/li><li>Fund costs: For fund-linked solutions, additional fees are charged for fund management.<\/li><li>Risk premiums: Costs for death insurance, disability pensions and premium waivers.<\/li><\/ul><p>The problem isn&#8217;t that costs exist. Costs are inherent in every financial product. The crucial factor is how transparently they are presented and how significantly they impact returns. In many offers, the stated gross return initially appears attractive. However, what truly matters for the actual growth of the capital is what remains after all costs are deducted.    <\/p><p>This is where the so-called yield reduction comes into play. It shows how much closing costs, management fees, fund expenses, and risk premiums reduce the theoretical gross return. This metric makes it possible to better compare products and realistically assess the effective net return.  <\/p><p>In our comparison, the reduction in returns is calculated based on the medium scenario used by insurers in their projections. It is important to understand that these scenarios do not constitute a guarantee. They are based on assumptions about the future performance of the investments and serve only as a guide for a realistic comparison of the different solutions.  <\/p><h2><strong>Our life insurance comparison<\/strong><\/h2><p>Life insurance policies are among the more complex retirement savings products. Many important factors are not immediately apparent in offers or product brochures, or are difficult to compare. Our goal is therefore to create as much transparency as possible and to present the relevant key figures clearly.  <\/p><p>In our life insurance comparison, we analyze the products based on criteria including the following:<\/p><ul><li>Equity component of the chosen investment strategy<\/li><li>Projected lifetime benefit in the medium scenario<\/li><li>Gross return on life insurance (medium scenario)<\/li><li>Reduced returns due to costs and risk premiums<\/li><li>resulting net return<\/li><li>guaranteed death benefit<\/li><li>guaranteed maturity benefit<\/li><li>Costs for premium exemption in case of incapacity for work<\/li><li>available funds and investment strategies<\/li><li>Option to suspend premium payments during the term<\/li><\/ul><p>By presenting these factors side by side, a much clearer picture emerges of the structure, costs, and return potential of the individual solutions. This allows interested parties to better assess which expectations are realistic, what costs are involved, and whether a life insurance policy within Pillar 3a fundamentally fits their own retirement savings strategy. <\/p><h2><strong>Practical examples<\/strong><\/h2><p><b>Example 1: Family with a mortgage and need for insurance<br><\/b> A married couple with two children bought a condominium a few years ago and are partially financing it with a mortgage. Both work, but a large portion of their household income depends on two wages. At the same time, they also want to build up capital for their retirement.  <\/p><p>For them, a life insurance policy within pillar 3a can be a sensible combination. They save regularly for retirement while simultaneously integrating risk protection. Their policy therefore includes not only the savings component but also death benefits and premium waiver in the event of disability. Should a person become permanently unable to work, the insurance company takes over the continued payments. In the event of death, the family receives a defined payout that can help stabilize their financial situation or reduce a portion of the mortgage.    <\/p><p><b>Example 2: Plannable wealth accumulation for retirement savings<br><\/b> A 30-year-old employee has made regular contributions to his pension plan over the past few years, but rather irregularly. Sometimes he contributed the maximum amount, while in other years he made no contributions at all. <\/p><p>To build a more structured long-term retirement plan, he opts for a life insurance policy within Pillar 3a. Regular contributions help him consistently accumulate capital. At the same time, he gains a degree of predictability regarding the future development of his retirement savings, as both guarantees and forecasts are provided. For many people, this combination of structure, discipline, and a long-term savings process can be a decisive advantage.   <\/p><p><b>Example 3: Protection of retirement savings in case of disability<br><\/b> A 35-year-old self-employed man places great importance on building up his retirement savings. At the same time, he is aware that a prolonged period of disability could seriously jeopardize this goal. If he is unable to work for several years, his pension contributions would also cease.  <\/p><p>His life insurance policy therefore includes a premium waiver. Should he become unable to work due to illness or accident, the insurance company will take over the further payments. His retirement savings thus continue to accumulate even though he can no longer make contributions himself. This component can be an important safeguard, especially for self-employed individuals or those with limited coverage from the second pillar (occupational pension scheme).   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-59291fb vt-problem-sec vf-left-conclusion insurance e-flex e-con-boxed e-con e-parent\" data-id=\"59291fb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f06c3b4 elementor-widget elementor-widget-heading\" data-id=\"f06c3b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9425420 elementor-widget elementor-widget-text-editor\" data-id=\"9425420\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A life insurance solution within Pillar 3a can be a sensible tool for retirement planning if its structure and costs are properly understood. It combines regular saving with possible risk coverage and thereby creates a certain level of predictability for long-term wealth building <\/p><p>At the same time, it is important to be aware that such solutions are less flexible and have a more complex cost structure than pure bank solutions. The key is therefore transparency regarding costs, reduction in return, and the expected net return. <\/p><p>Anyone who carefully weighs the balance between guarantees, return potential, and risk modules can use a life insurance solution within Pillar 3a as a targeted long-term retirement instrument.<\/p><section class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-(--header-height)\" dir=\"auto\" data-turn-id=\"b9af33cd-bfa7-4f79-a20d-622a29448b53\" data-testid=\"conversation-turn-193\" data-scroll-anchor=\"false\" data-turn=\"user\"><\/section><section class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-turn-id=\"request-69d4f872-a5c0-8329-9879-d0e0426af8ad-33\" data-testid=\"conversation-turn-194\" data-scroll-anchor=\"false\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\"><div class=\"flex max-w-full flex-col gap-4 grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"486f02fc-7e41-471a-92b5-e33dc2c4be40\" data-message-model-slug=\"gpt-5-3\"><div class=\"flex w-full flex-col gap-1 empty:hidden\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\"><p data-start=\"0\" data-end=\"184\" data-is-last-node=\"\" data-is-only-node=\"\">Ein Lebensversicherungsvergleich lohnt sich in jedem Fall, da er hilft, Kosten, Leistungen und langfristige Rendite transparent zu beurteilen und die passende Vorsorgel\u00f6sung zu finden.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-c883fc3 vt-faq-sec vt-compound-faq e-flex e-con-boxed e-con e-child\" data-id=\"c883fc3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2568159 elementor-widget elementor-widget-heading\" data-id=\"2568159\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d70138 e-con-full vt-accordion-wrap e-flex e-con e-child\" data-id=\"9d70138\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8d6b3be e-con-full e-flex e-con e-child\" data-id=\"8d6b3be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3add070 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"3add070\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-3add070\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"3add070\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-is-a-life-insurance-solution-within-pillar-3a\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-6171\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What is a life insurance solution within Pillar 3a?<\/span><\/div><div id=\"elementor-tab-content-6171\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"what-is-a-life-insurance-solution-within-pillar-3a\"><p>A life insurance solution within Pillar 3a combines long-term saving for retirement with risk coverage for certain life events. Capital is built up within one policy, while benefits in the event of death or disability can be insured at the same time. <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-does-a-mixed-life-insurance-policy-within-pillar-3a-work\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-6172\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How does a mixed life insurance policy within Pillar 3a work?<\/span><\/div><div id=\"elementor-tab-content-6172\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"how-does-a-mixed-life-insurance-policy-within-pillar-3a-work\"><p>With a mixed policy, regular contributions are paid in. These contributions are split into a savings component, a risk component, and a cost component. The savings component is invested and builds retirement capital over many years, while the risk component finances, for example, premium waiver or a death benefit.  <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-is-the-difference-between-a-bank-solution-and-an-insurance-solution-within-pillar-3a\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-6173\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What is the difference between a bank solution and an insurance solution within Pillar 3a?<\/span><\/div><div id=\"elementor-tab-content-6173\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"what-is-the-difference-between-a-bank-solution-and-an-insurance-solution-within-pillar-3a\"><p>With a bank solution, money is invested directly into a retirement account or securities. With an insurance solution, saving is combined with risk coverage. As a result, the insurance can offer additional benefits such as a guaranteed minimum benefit or premium waiver in the event of disability, but it is less flexible.  <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"why-are-the-costs-of-life-insurance-solutions-often-difficult-to-understand\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-6174\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Why are the costs of life insurance solutions often difficult to understand?<\/span><\/div><div id=\"elementor-tab-content-6174\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"why-are-the-costs-of-life-insurance-solutions-often-difficult-to-understand\"><p>Life insurance solutions are package products. In one policy, the savings process, risk coverage, and administration are combined. This means many customers cannot immediately see which part of the premium is used for costs, risk benefits, or building capital.  <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-costs-arise-in-a-life-insurance-solution-within-pillar-3a\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-6175\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What costs arise in a life insurance solution within Pillar 3a?<\/span><\/div><div id=\"elementor-tab-content-6175\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"what-costs-arise-in-a-life-insurance-solution-within-pillar-3a\"><p>Typical cost components are:<\/p>\n<ul>\n<li>acquisition costs for advice and contract conclusion<\/li>\n<li>administration costs for running the contract<\/li>\n<li>fund costs for securities-based solutions<\/li>\n<li>risk premiums for death cover or premium waiver<\/li>\n<\/ul>\n<p>These costs directly affect the long-term return.<\/p>\n<\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0031e85 e-con-full e-flex e-con e-child\" data-id=\"0031e85\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0e9f24 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"a0e9f24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-a0e9f24\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"a0e9f24\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-does-a-guaranteed-maturity-benefit-mean\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-1681\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What does a guaranteed maturity benefit mean?<\/span><\/div><div id=\"elementor-tab-content-1681\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"what-does-a-guaranteed-maturity-benefit-mean\"><p>The guaranteed maturity benefit is the minimum amount paid out at the end of the term. In addition, insurers often provide a projected benefit based on assumptions about future market performance. <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-does-the-equity-allocation-affect-the-return-of-a-life-insurance-policy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-1682\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How does the equity allocation affect the return of a life insurance policy?<\/span><\/div><div id=\"elementor-tab-content-1682\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"how-does-the-equity-allocation-affect-the-return-of-a-life-insurance-policy\"><p>The equity allocation determines how strongly the investment participates in market performance. A higher equity allocation can lead to higher long-term returns, but it also comes with stronger value fluctuations. <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"can-a-life-insurance-policy-be-terminated-early\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-1683\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Can a life insurance policy be terminated early?<\/span><\/div><div id=\"elementor-tab-content-1683\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"can-a-life-insurance-policy-be-terminated-early\"><p>Termination is generally possible. However, especially in the first years the surrender value is often below the premiums paid. Early termination can therefore be financially disadvantageous.  <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-happens-in-the-event-of-disability\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-1684\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What happens in the event of disability?<\/span><\/div><div id=\"elementor-tab-content-1684\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"what-happens-in-the-event-of-disability\"><p>Many policies include premium waiver. If the insured person becomes disabled, the insurer takes over the future contributions. This means the retirement saving continues even though no premiums are paid by the insured person.  <\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-does-a-life-insurance-comparison-help-with-the-decision\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-1685\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How does a life insurance comparison help with the decision?<\/span><\/div><div id=\"elementor-tab-content-1685\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"how-does-a-life-insurance-comparison-help-with-the-decision\"><p>A structured comparison makes important differences visible, including cost structure, equity allocation, projected benefits, and the expected net return. Only when these factors are displayed side by side can a well-founded decision be made.  <\/p>\n<\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Life Insurance Comparison Switzerland Pillar 3a is an important part of private retirement planning in Switzerland. Many people use a life insurance solution for this, which combines long-term saving with possible risk protection.This combination makes the product more complex than a traditional retirement savings account. It is therefore important to understand how such policies work, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-11321","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Life insurance comparison 2026<\/title>\n<meta name=\"description\" content=\"Life insurance comparison Switzerland 2026: compare benefits, costs and providers clearly and easily.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.vitafinance.ch\/en\/life-insurance-comparison\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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