Here you will find the right answers
The moneyland.ch forum lets you exchange knowledge on numerous topics related to money and get answers to your questions at any time. Join forum users and experts in discussions relating to banking, investment, insurance, retirement, telecom and everyday money topics.
Show categories
What are the advantages and disadvantages of mixed life insurance? Who is it for? Does getting this type of life insurance make sense for parents with children?
Hi there,
In Switzerland the terms "mixed life insurance" and "savings insurance" are used in reference to various types of permanent life insurance. This kind of life insurance combines tax-privileged savings (3a or 3b) with life insurance coverage.
Getting permanent life insurance is only a good idea if you are sure that you can pay your premiums without fail throughout the entire insurance term. Terminating your policy ahead of schedule can result in significant losses.
Comparing the returns and coverage which you receive from permanent life insurance with the interest you can earn from 3a or 3b savings accounts and the premiums you pay for non-bundled life insurance is important. You will usually get a better deal by using separate solutions.
You can find more information in our guide to life insurance in Switzerland.
Best regards from Moneyguru
More on this topic:
Life insurance comparison
Cheap bank accounts with card
Cheap bank accounts with card
Yuh
No account fees
Banking partner: Swissquote & Postfinance
CHF 20 trading credit with code «YUHMONEYLAND»
Radicant
High interest on your everyday account
Best exchange rates
Up to 1% of card spending as saveback in the investment portfolio
Bank WIR Bankpaket Top
Free account & card
No exchange fees for foreign payments (interbank exchange rates)
24 ATM withdrawals worldwide per year free of charge
Alpian
CHF 100 welcome bonus
Favorable foreign exchange rates
Multi-currency account with Visa card (CHF, EUR, USD, GBP)
UBS key4
50 KeyClub points as a welcome gift
Online private account with debit card
Deal of the Day 
Free bank account
Yuh
No account fees
