Einzellebensversicherungen

Private life insurance is an important component of the Swiss 3-pillar system. It allows for the partial supplementation and expansion of social insurance benefits. Groups of individuals who do not belong to the 2nd pillar can even fully replace the missing benefits with individual life insurance products. The financing and design of social insurance benefits is a constant topic in the media and affects everyone. Uncertainties about the future level of benefits from the 1st pillar and, if applicable, the 2nd pillar demand personal responsibility. Private self-provision will gain even more significance. As a result of the financial crisis, the high security of individual life insurance will also become a central topic. Tax, bankruptcy, and inheritance law advantages, the freedom to choose the design of beneficiary clauses in pillar 3b, achieving a savings goal even in the event of disability due to accident or illness, immediate payment of death benefits to survivors, as well as disability benefits in case of accident or illness are just a few of the advantages of life insurance. On one hand, this teaching material was created for training as an insurance specialist with a federal diploma or within the framework of the Higher Professional School for Insurance (HFV). On the other hand, this book is also intended to serve as a reference work for daily work tasks. In hardly any other area of private insurance are product-specific, actuarial, and formal as well as tax law aspects interconnected to such an extent. We have taken this challenging and interesting fact into account in this teaching material.