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Are you sure that retirement will not imply some sacrifices ?

It is during the years when the expenses are significant that family insurance protection is not sufficient; later, when the children have finished their studies, when the house or the apartment is fully paid-off, the cover is satisfactory.

Family and relatives protection

Protect yourself and your family against bad surprises by taking a life insurance covering them in the event of death or disability. With little money, you will have a high risk cover.

Prepare your future, the sooner the better: it is much more profitable to subscribe to a life insurance when you are young and in good health condition. It is a smart way to face destiny. One of these solutions is designed for those who want to protect their relatives from the financial consequences of their death.

  
  Before retirement, people underestimate...
... the amount needed to keep up the pre-retirement income.
   

  During retirement, people over-estimate...
... their cash requirements. That leads many of us to freeze a much too large part our capital on unproductive accounts. Are you capable of answering this capital question: when you retire, is it better to cash your retirement fund as a capital or as revenues?
 


 
Define the way you want to finance your plans

  • Let’s be realistic: replacing your car every three years is expensive. Building a house requires at least 20% of our own assets. And enable a child to get the high-school degree requires an average investment of 40' 000 CHF.

  • The analysis of contingency funding is made using your personal data and according to your current situation and your plans for the future. Major changes in your personal situation (marriage, children etc.) should lead to a new analysis. The task of this analysis is to use and coordinate the existing insurance services of various categories (AVS/AI , LPP , LAA etc). The lacks in contingency funding or in insurance in the field of retirement, disability of death can be clearly shown by this analysis. A wide range of services propose personal solutions adapted to each situation.

  • By planning your precaution carefully, you make sure to keep up your standard of living after retirement. According to your personal and familial situation, you take the appropriate measures against risks, disability or death. This is your optimal insurance solution.

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