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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