With the SmartFlex pension plan (pillar 3a/3b), our life insurance savings, you save in a yield-oriented, individual way and with the appropriate risk protection for old age. Adapt your pension plan flexibly – to current and future life situations.
Retirement provision as a supplement to pillars 1 and 2
Variations in fixed or flexible retirement savings (pillar 3a/3b)
Possibilities for tax optimizations
Optional premium waiver in the event of incapacity to work
Regular premium payments: monthly, quarterly, half-yearly or annually
Various death benefit options for the financial protection of your family members
The SmartFlex pension plan offers retirement provision, tax savings and protection at the same time. With the SmartFlex pension plan, premiums are divided into a compensating balance and an income-earning asset according to your investor profile. The compensating balance is subject to a fixed interest rate and the earning asset correlates to the capital invested in equity funds. You have a choice between different areas of investment.
With the SmartFlex pension plan, you have the opportunity to decide for yourself in which areas your financial asset will be invested on a yield-oriented basis. The investment areas allow you to choose an investment according to your personal preferences. The investment areas each include a mutual fund with 100% equities, are broadly diversified and denominated in Swiss francs. Particularly in the case of a longer investment horizon, and taking into account your risk profile, a higher share of equity would be appropriate as temporary price fluctuations are less significant. The return on these funds is automatically reinvested. In this way you benefit from the compound interest effect.
Financial security or financing home ownership
Pillar 3a: in accordance with statutory provisions
Pillar 3b: may be chosen freely and modified in writing at any time
Life insurance capital does not form part of the deceased’s estate, but is paid out to the beneficiary directly. Beneficiaries who are family members receive the insurance benefit even if they renounce their inheritance
To ensure their suitability as family retirement provisions, life insurance policies enjoy a privileged legal status in the event of bankruptcy or debt collection proceedings.
Life insurance claims cannot be pledged before they are due.
Provided the spouse/registered partner, children or parents are beneficiaries, life insurance claims may be pledged before they are due, or included in the bankruptcy estate of the policyholder.
Life insurance is brokered as part of the cooperation between PostFinance Ltd, Mingerstrasse 20, 3030 Bern (PostFinance) and AXA Leben AG, General-Guisan-Strasse 40, 8401 Winterthur (AXA). As part of this cooperation, PostFinance is a tied intermediary of AXA. With life insurance policies, policyholders enjoy privileged protection. Insurance companies are obliged to cover claims under life insurance policies at all times as these are regarded as tied assets. If AXA were to become insolvent, securities (mathematical reserve and surplus share) from ongoing contracts would primarily be transferred to another insurance company which would take over responsibility for continuing the policies. If no transfer to a new insurance company takes place, the entitled persons receive the contractually guaranteed redemption value. Insurance companies are subject to supervision by the Swiss Financial Market Supervisory Authority (FINMA), which ensures the solvency of insurers and protects insured persons against abusive practices.
