Generali Prevista

For many customer profiles, Generali Prevista is among the cheapest death risk insurers in Switzerland, according to a study by moneyland.ch 2021.

Suitable for securing a mortgage, for children's education or among business partners. Possible in combination with both pillar 3a and 3b. 3a variant: number of beneficiaries freely selectable. Annual right of termination. Contract term for products with decreasing sum insured: at least 3 years.

Entry age: 18 to 63 years (women) or 64 years (men). Maximum payout age 3a: 65 years (men), 64 years (women). Maximum payment age 3b: 80 years.

Worldwide.

In case of suicide during the first 3 years of contract, only the actuarial reserve will be paid out.

Fixed premium: doesn't change over the life of the policy. Monthly, quarterly, semiannual or annual payments.

None.

Constant and decreasing sums insured possible. Minimum sum insured: CHF 5000. No fixed maximum sum insured.

Between minimum of 1 year and maximum of 45 years.

Waiver of premium in the case of inability to work or disability.

The 3b policy gives you free choice of beneficiary. Benefit can be claimed by the beneficiary even if they decline their inheritance.

Waiver of reduction of benefits in case of gross negligence. Possibility of waiving premiums and converting the insurance into a premium-free death insurance policy with a constant sum insured, with the surrender value serving as an inventory deposit.