Name: Sparta Group S.A.
Rating: 5.0

Life insurance - 3rd pillar 3A

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:

The 3rd pillar offers financial security for the future, by enabling you to save regularly for retirement while benefiting from insurance coverage.
The 3rd pillar 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 200 reviews

Thank you to Mr Yoann Pfersich for his kindness, availability and professionalism.

I highly recommend him!

I was completely lost as to what options I needed regarding Pillar 3a.

David Bolognesi explained everything clearly and simply.

I'm very grateful for his honesty.

David Bolognesi is an excellent and very professional financial advisor.

He helped me to clearly understand all the details of Pillar 3a and guided me towards the solution best suited to my personal situation.

I am very satisfied with his advice and support. Thank you very much.

I had a chat with David Bolognesi, he's a nice guy and suggested a very good comparison for my 3a piller.

Thanks for the effort in my case.

Thank you for the existence of this organization, which should be of major public interest, given all the different investment solutions available in Switzerland...

Once again, thank you Sparta Group.

I wish you all the best for the future.

I used this service to get advice on the third pillar and I recommend them without hesitation.

I got in touch with David who was very transparent and efficient.

I like his style and appreciate his time.

I would like to thank you for your fast and efficient work

your kindness and positive attitude are much appreciated.

Yours faithfully Denis Thioly