Women & pensions · Module 15

When life
changes

Separation, cohabitation, death: this is where the gap gets dangerous for women.

♀

For the worst case

In a divorce

The pension split

Split in halfthe capital from the marriage

Helpsbut rarely enough

Part-timethe gap remains

In cohabitation

No widow's pensionthe AHV ignores cohabitation

Pension fundbeneficiary status per fund rules – meet any notification duty in time

Inheritance lawnot automatic

At death

Marriedwidow's pension and inheritance

Cohabitationbeneficiary & will

Risk covercloses the gap

Settle in time

Beneficiarynotify and check

Willand advance-care mandate

Insuranceclose the gap

Good to know

💡 First step: Separation, cohabitation and death often hit women harder financially – settle in time and you protect yourself and your future.

This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg