LIFE AND INVESTMENT
PREVIDENZA provident insurance package
Optimal pension provision:
savings and risk cover
in one attractive package
generali.ch/providentpackage
It is worth your while to plan for the future now, because private pension
provision is growing in importance all the time. And because life often takes
unexpected turns, it is reassuring to know that you are fully protected
against risks. The PREVIDENZA provident insurance package combines
pension provision and versatile risk cover with an attractive bonus.
Secure capital for your future
You should be able to shape your own future. For
this reason, the PREVIDENZA provident insurance
package allows you to do what you want with
your money: you invest your contributions in funds
and select the savings profile that matches your return
expectations and your security needs. With fund
saving, you benefit from better potential returns than
you would with traditional investments. You also
save taxes because you can deduct your premiums
under Pillar 3a from your taxable income each year.
Should your financial situation change during the term
of the contract, you can take a premium break and
take advantage of other options.
Optimal risk cover for every situation
You cannot determine everything in life, as some
risks will persist no matter what you do. But with this
provident insurance package, you can protect yourself
and your loved ones. If something should happen to
you, your surviving dependents will receive a guaranteed death benefit and will thus be protected from
financial worries. Even in the event of disability, you are
always on the safe side: after expiry of the waiting
period, Generali will continue to pay your premiums
so that you can still achieve your savings objective.
You will also receive a regular pension. This means
that you enjoy optimal risk cover – and the exclusive
package bonus increases your savings capital.
Your benefits
✓ O ptimal pension provision: savings and
comprehensive risk cover in a single package
✓ A ttractive package bonus
✓ C hoice of savings profile according to your
personal needs
✓ P remium guarantee for the entire term of the
contract
✓ Tax advantages
✓ E xtensive experience of the Swiss market leader
in unit-linked life insurance
The right savings profile for you
As the market-leading provider of unit-linked life
insurance for many years, Generali understands your
individual investment requirements. Do you want to
invest your money with the aim of achieving the
greatest possible return? Is your focus on security?
Or would you rather have a combination of these
approaches? You can choose the option that best
suits your needs from the three savings profiles
we offer: Capital, Control and Profit.
The three savings profiles
CAPITAL
CONTROL
The savings profile
with risk control
The savings profile
with guaranteed maturity benefit
low
medium
PROFIT
high
low
–  guaranteed amount of savings capital
–  risk-controlled investment
–  low fluctuations in value
–  limited return prospects
medium
The savings profile
that focuses on returns
high
low
– good potential returns with real security
–  efficient use of savings premiums
–  risk-controlled investment
– conscious decision to forego an
expensive guarantee
medium
high
–  excellent potential returns
–  flexible, comprehensive choice of funds
–  greater fluctuations in value
– conscious decision to forego an
expensive guarantee
Potential returns
Possible fluctuations in value
Security
Your benefits
CAPITAL
CONTROL
PROFIT
Guaranteed
survival benefit
✓
✗
✗
Survival benefit
Total fund and guarantee
account, but no less than the
guaranteed insurance sum
Total fund account
Total fund account
Guaranteed
death benefit
Total fund and guarantee
account, but no less than the
guaranteed insurance sum
Total fund account, but
no less than the guaranteed
insurance sum
Total fund account, but
no less than the guaranteed
insurance sum
Premium exemption
In the event of disability or impairment of basic faculties, Generali will
assume payment of your premiums after the waiting period expires.
Disability pension
In the event of disability resulting from accident and / or illness,
you will receive a regular pension on expiry of a waiting period.
Lump sum benefit
for serious illness
If your remaining life expectancy is less than one year due to illness
or accident, you will receive the guaranteed death benefit immediately.
Additional lump
sum death benefit
Optional: if an additional lump sum death benefit is insured, Generali will
pay out a higher amount to your surviving dependents in the event of your death.
When the term of the contract ends, you will receive the survival benefit. In the event of your death during the term of the contract,
the death benefit will be paid out to your beneficiaries.
Facts & figures
Policy term Capital: 15 – 45 years, Control / Profit: 10 – 45 years
Death benefit: The maximum sum in case of death in the contract amounts to CHF 500 000.–.
Beneficiaries Pillar 3a: statutory beneficiary rules, Pillar 3b: free choice of beneficiaries
Age at entry to Pillar 3a and 3b
Capital: women: 18 – 49 years, men: 18 – 50 years, Control / Profit: women: 18 – 54 years, men: 18 – 55 years
Final age under Pillar 3a
Women: 64 years, men: 65 years (or up to 69 / 70 years if the insured person remains in employment)
Final age under Pillar 3b
Women / men: 75 years
Contact: Please contact your personal advisor if you have any questions or would like a non-binding quote.
Further information is available at generali.ch.
PR60312E 02.16 1M
Surrender / waiver of premium / loan: Possible after 3 years (provisions of Pillar 3a must be taken into account).