3rd category - Swiss Insurances

The role of the 3rd category of life-insurance is to complement and improve the benefits The legal principles of our contingency funding system partly date from the beginning of the 20^th century. Therefore, the social welfare network is full of gaps and faults. The contingency funding concept is complex and not really clear. It is therefore important to use an insurance advisor in order to profit at best from the contingency funding possibilities.
	An interesting alternative associating insurance and investment !
In the second category insurance system, the financial consequences of a disease or an accident are covered in a different way, because the risks of a premature death and of profit incapacity are covered by two different social institutions according to their cause: If the death or the disability are caused by a disease, the benefits are paid according to the rules of contingency funding (LPP). If the death or the disability are caused by an accident, the compulsory insurance on accidents Act (LAA) is applicable. The calculation system and the amount of the benefits are not identical in both systems: the consequences of an accident are in general covered better. The compulsory insurance on accidents also pays back medical treatments, whereas those must be ensured one by one in the health-insurance system by an insurance company and/or a private company. In our conception of contingency funding, the life insurance complements the risk coverage of the first and second categories and adapts to the individual needs and desires. Moreover, it compensates the gaps in the insurance cover and corrects the coordination faults in order to guarantee a risk cover adapted to individual needs. This flexibility and the wide range of services offered enable the life insurance system to play its part perfectly. Questions-Answers
Liquid assets Your insurance can also be used as a loan guarantee: Using your life insurance as a loan guarantee Getting a loan with an insurance



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