Insurance · Module 5

Unmarried –
poorly protected?

For cohabiting partners, provision often does not apply automatically on death.

!
Protecting your partner
The problem

What the partner lacks

No widow's pensionfrom the first pillar
Fund limitedif rules + registration are correct
No inheritancepartner does not inherit by default
Married vs cohabiting

The difference

Married

Widow's pension, fund benefits and inheritance apply automatically.

Cohabiting

Much only works with active arrangement – otherwise a large gap.

ProvisionInheritanceTaxes
The solution

How to protect

Beneficiaryregister in fund and pillar 3a
→
Agreementdraw up a cohabitation contract
→
Protectionclose the gap with insurance

The order and the deadlines are decisive.

Watch the taxes

The costly side effect

Inheritance taxoften very high for the partner
By cantonlarge differences
Plannablewith the right structure
Good to know

Is your partner protected?

💡 First step: Beneficiary clause, agreement and protection must work together – in cohabitation, the right arrangement is decisive so that your partner is truly protected.
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This video does not replace personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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