Name: Sparta Group S.A.
Rating: 5.0

Life insurance

What is life insurance?
Life insurance is designed for people who want to ensure the financial security of their loved ones in the event of their death, by passing on a capital sum.

For example, it can be used to pay off loans or mortgages, or simply to help your family through the bereavement period.

What’s the link between life insurance and the 3rd pillar?
With their 3rd pillar 3A or 3rd pillar 3Blinked life insurance. This is a sound financial strategy for several reasons:

It offers financial security for the future, by enabling you to save regularly for retirement while benefiting from insurance coverage.
It offers significant tax advantages, as contributions to the 3rd Pillar 3A are tax-deductible, reducing income tax.
The 3rd pillar offers great flexibility, allowing you to choose between different investment options and insurance coverage, according to your individual needs and objectives.

How much is life insurance linked to a 3rd pillar?
The standard default amount is approximately equal to the total amount you would invest in the solution if you were to retire.

For example If you choose to save CHF 5,000 a year in your 3rd pillar and you have 30 years left before retirement, your life insurance policy would be 30 x 5,000 = CHF 5,000. 150’000.-

This amount can be increased or decreased, depending on the conditions of the various insurance policies.

Finding the best offer
It’s important to know that each insurance policy has different rates.

That’s why we’ve created a simple, neutral and free online comparator.

If you are interested in saving in addition to creating a life insurance policy, while deducting the amounts invested, then this is the solution for you:

Another option: Life insurance without savings
It’s also possible to take out life insurance without savings. And it’s also part of the 3rd pillar, so in 3A, the premium paid can be tax-deductible!

This is what we call “pure risk”: this solution consists solely of life insurance and/or an annuity in the event of disability.

We also have a comparator that allows you to directly select the desired amount and receive a comparison of the premiums charged by insurers for that amount.

Simply fill in this form to receive a complete comparison in just a few minutes:

Compare 10 no-savings life insurance policies

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See the 139 reviews

Excellent and trustworthy, I highly recommend Mr. David Bolognesi.

I've never seen a more diplomatic, competent and hard-working professional in this field than him.

I'd be happy to recommend Mr Pembele as my pension advisor.

I really appreciated his availability and responsiveness.

Excellent service! We recommend it!

Personalized service and fast turnaround. I am delighted!

Thanks for everything Xavier 🙂

It was all free of charge, even if the end products I was interested in weren't from Groupe Sparta.

I'd certainly recommend their service.

Friendliness and competence sum up the discussions and advice I received from Xavier.

Thank you very much.

I was offered free, independent, personalized advice following a simulation I had carried out myself on the site, and that's exactly what I got.

Many thanks for Gaëtan's advice, which has been invaluable for my financial future.

I highly recommend SpartaGroup's services

Super, very useful and pleasant to deal with.

Super, effective advice without pushing in either direction, attentive and reliable.

Great experience talking to D. Bolognesi. Very professional and straightforward advice. Thank you!

Neutral advice provided by David, without trying to push anything, adapted to my situation. Much appreciated.

Brokers who stand out from the crowd ... Remarkable! Many thanks for your invaluable advice, your professionalism is a credit to you!

Excellent advice, Mr Hamo's explanations were very clear and relevant to my situation and needs.

I absolutely recommend the clear explanations, transparent and personalized advice for the preparation of a pension plan. ...

Mr Hamo gave me excellent advice on my third pillar. Cordial and constructive, the discussions always took into account my specific needs. ...

I've used this service to get advice on the third pillar and would recommend them without hesitation. I got in touch with David, who was very transparent and efficient, and gave me a clear overview of my options.

Our advisors are highly responsive and fully aware of the different options and constraints that apply to their customers' profiles. I highly recommend their services.