Insurance · Module 5

When the income
suddenly stops

Term life insurance protects your family – for the worst case.

Protecting your family
The problem

The death gap

100 %
Income
today
~60 %
Survivors' benefits
+ gap
Death gap

Usually better covered for accidents – the gap mainly concerns death by illness.

How it works

Small premium, big protection

Premiuma small amount per year
Deathduring the agreed term
Capitalyour family receives the agreed sum

No death = no payout. That's exactly why the premium is low.

How much capital?

How much makes sense?

Familywith or without children
Homeconsider the mortgage
Individualno blanket rule – your situation counts
The price

Pure risk or mixed?

Pure risk

Protection only, no savings part. Low premium – a fraction of the mixed solution.

Mixed

Protection plus savings in one. Much more expensive, less flexible.

AgeHealthTerm
Good to know

Do you know your gap?

💡 First step: The beneficiary clause and the term must fit your situation – in cohabitation, the right clause is decisive so that the capital truly reaches your partner.
Request advice

This video does not replace personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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