Insurance & tax · Module 12

Protected from
creditors?

A life policy with the right beneficiary clause enjoys special protection.

%
Protecting assets
The protection

Seizure and bankruptcy privilege

Beneficiariesspouse or descendants
Protectedfrom seizure and bankruptcy
To the familynot the creditors
Even then

Even with over-indebtedness

Disclaimingthe benefit still stands
Outside the estategoes directly to beneficiaries
Securityvaluable especially with debts
The limit

Mind the statutory shares

Statutory sharesto be examined for policies with a surrender value
At surrender valuerelevant for statutory shares and abatement
Pure riskno surrender value
For whom

Especially valuable

Self-employedprotected from business risk
Business ownersprotect the family
Cohabitationfavor deliberately
Good to know

Is your family protected?

💡 First step: The insurance privilege protects the family even from creditors – but only with the right beneficiary clause. That's worth checking.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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