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Is your family protected if the unexpected happens?

Life insurance in Switzerland is often misunderstood and poorly adapted. EVO Partners analyses your situation and finds the solution that genuinely protects you – at the right price.

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Life insurance: a complex product that is rarely optimised

  • The difference between term life (risk only) and mixed life (savings + risk) is poorly explained by most insurers
  • Many mixed policies offer poor returns compared to bank alternatives
  • Disability coverage (loss of income) is frequently missing or insufficient
  • Premiums vary considerably between insurers for equivalent coverage
  • Beneficiary clauses are often poorly drafted, creating legal complications
  • Policies taken out years ago no longer match current needs (family, income, mortgage)

This service is right for you if…

You have a family to support and want to guarantee their financial security
You have a mortgage and need coverage in the event of death or disability
You want to combine protection and long-term savings in a single product
You are self-employed and need to compensate for the absence of employer pension coverage
You already have a life insurance policy and want to check whether it is still adapted
You want to protect your income in the event of incapacity to work

An independent analysis to find the right coverage

  • → We assess your real needs: family, mortgage, income, existing coverage
  • → We compare term life and mixed solutions from multiple insurers
  • → We check your disability (loss of income) coverage and identify gaps
  • → We explain beneficiary clauses and help you structure them correctly
  • → We compare insurers' financial solidity and track record
  • → We review your existing policies to identify what can be optimised or renegotiated
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What we optimise for you

Term life insurance

Pure risk coverage: your family receives a guaranteed capital in the event of death. The most affordable and transparent solution.

Mixed life insurance

Combines a death benefit with savings. We compare insurers to identify which offers a genuine return.

Disability coverage

Loss of income due to illness or accident is often the greatest financial risk. We ensure your coverage is adequate.

Mortgage coverage

Protect your home and your family in case of death or incapacity. We coordinate coverage with your lender.

Regular review

Your situation changes. We reassess your coverage at every major life event (new child, salary change, property purchase).

Free and independent

Our analysis and recommendations are free. We compare the entire market without commercial bias.

Common mistakes to avoid

  • ✗ Confusing term life (risk) and mixed life (savings + risk) – two very different products
  • ✗ Taking out a policy without checking disability (loss of income) coverage
  • ✗ Accepting the first offer from a bank or insurer without comparing alternatives
  • ✗ Keeping an old policy that no longer reflects your current situation
  • ✗ Poorly drafted beneficiary clauses that create legal or tax complications
  • ✗ Paying too high a premium for mixed life when a bank alternative would perform better

Our step-by-step process

01

Needs analysis

15 min

We discuss your situation: family, income, mortgage, existing coverage. Takes 15 minutes.

02

Market comparison

24–48h

We compare suitable solutions from multiple insurers based on your profile and objectives.

03

Personalised recommendation

30 min

We present the best options with a clear explanation of coverage, cost and differences.

04

Implementation

1–2 weeks

On your agreement, we handle the subscription and coordinate with the insurer.

What our clients say

"Our bank had sold us a mixed life policy that was poorly adapted and expensive. EVO Partners found us a term life solution that covers us better for half the price."

Julien & Marie T.

Lausanne

−CHF 480/year

"I hadn't realised that my disability coverage was insufficient for my income as a freelancer. Marc-Antoine identified the gap and found the right solution quickly."

Patrick F.

Zurich

Coverage secured

"After our second child, we needed to review our coverage. The analysis was thorough and the explanations clear. We finally understand what we have and why."

Sandra L.

Basel

Peace of mind

Ready to optimise your life insurance?

Free analysis · No commitment · Reply within 24–48h

+41 76 779 0449
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FAQ

Frequently asked questions

Term life (risque pur) pays out a capital only in the event of death during the contract period. Mixed life combines this death benefit with a savings component that is paid out at maturity. Term life is simpler and cheaper; mixed life can make sense if the return is competitive.

No, it is not compulsory. However, it is strongly recommended for people with dependants, a mortgage, or significant income to protect.

As a general rule, death coverage of 3 to 5 years of gross income is recommended. Disability coverage should replace at least 80% of your net income. We calculate the precise amount for your situation.

It depends on the insurer and the severity of the conditions. Some insurers apply exclusions; others specialise in higher-risk profiles. We know which insurers are most open and how to present your file.

Yes, completely free. We are remunerated by a FINMA-regulated commission paid by the insurer. This commission does not change your premium.

Yes, in most cases. Term life policies can generally be cancelled with notice. Mixed life policies may involve surrender values. We analyse your current contract and advise you on the best course of action.

Marc-Antoine Segui

+41 76 779 0449