Life insurance 3rd pillar
Why to choose life insurance ?
What are the different kinds of life insurance ?
- Pure risk insurance (or death insurance) to protect your family members in the event of the death of the insured individual which will not benefit the insured party during his lifetime and whilst in good health. The pure risk insurance can, however, include disability coverage that will provide an annuity in the event the latter should incur health problems preventing him to work.
- Mixed risk insurance which, in addition to protecting the family members permits the insured individual to establish savings for himself. In the event of the latter’s death, the beneficiaries of the insurance policy will receive the capital.
In both cases a life insurance will guarantee a capital to your spouse and children to shelter them if the need arises.
What is the difference between a third Pillar and life insurance ?
- Death insurance to cover your family members permettant de protéger vos proches
- Disability insurance to grant you an annuity in the event you are unable to work
- A savings scheme that will guarantee you a retirement benefit plan
A 3rd Pillar is not necessary a life insurance; you can also open a 3rd Pillar savings account without subscribing to life insurance (which is the case if you go through a bank). Insurance companies, on the other hand, will often propose to include life-insurance if you create a 3rd Pillar account that can be transmitted to your heirs in the event you decease.
Who is the beneficiary of a life insurance ?
- your spouse or lifetime partner
- your descendants
- your concubine if you lived together for at least five years
- your parents
- other legal heirs
In the event of an unlimited 3rd Pillar you can designate whomever you chose as beneficiary of the policy.
Quand devrais-je souscrire un contrat d’assurance-vie ?
Do you require more information ?
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