Allianz Term Life Insurance

Available as pillar 3a or as pillar 3b account. Pure term insurance with constant or decreasing insurance sum in case of death (optionally with waiver of premium in the event of disability). There is no obligation to report changes in smoking habits or high-risk sports. Medical examinations are required for sums insured in excess of 600,000 Swiss francs. 

Minimum entry age: 18 years. Maximum entry age 3a: 59 years (women) or 60 years (men). Maximum entry age 3b: 75 years (women and men). Maximum payment age 3a: 64 years (women) or 65 years (men). Maximum payment age 3b: 80 years (women and men).

Worldwide coverage.

Il n'y a pas de couverture si l'assuré décède par suicide ou à la suite d'une tentative de suicide pendant la période de couverture provisoire ou avant l'expiration de trois ans après le début de la couverture définitive. Les règlements standard des compagnies d'assurance-vie suisses s'appliquent pendant le service militaire et la guerre.

The amount of premiums is guaranteed for the entire contract period.

There is the possibility of surplus participation.

Minimum sum insured: 10,000 Swiss francs. Maximum insurance sum according to agreement. Constant and decreasing sums insured possible.

The minimum term is 5 years.

There is a chargeable option for a premium waiver after disability or incapacity. 

Within the legal provisions, you are free to choose the beneficiaries.

With the so-called extension insurance, the insured lump-sum death benefit can be increased at special life events or periodically every 5 years. Allianz Suisse waives ist right to reduce benefits in the event of gross negligence in causing the death of the insured person.