Family & life stages · Module 9

No ring –
strangers in
the law's eyes

The law knows no cohabitation: no AHV survivors' benefit, no legal inheritance, no representation. In occupational provision, partner pensions are possible depending on the fund rules.

♥
Unmarried couples
The reality

The gaps

No AHV widow's pensionAHV knows no cohabitation – the pension fund may provide a partner pension
No legal inheritancewithout a will, nothing
No representationwithout a mandate
Building block 1

Provision & beneficiary

Pillar 3aname the partner
Pension fundcheck the rules carefully
Conditionusually shared household
Building block 2

Inheriting & will

Willup to the disposable portion
Statutory shareschildren's stay protected
Risk coverpays past the estate
Building block 3

Further powers

Cohabitation agreementclarifies property and costs
Mandatea say in an emergency
Togetherall pieces interlock
Good to know

Are you both protected?

💡 First step: Without a ring, only what you've arranged yourself counts. A well-thought-out package protects you both – best set up together.
Beratung anfragen

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

1 / 6
← See all explainer videos · Baeriswyl Beratungen