Young families
Rent, childcare and everyday costs don’t stop if one income does.
Cover can bridge the years until children are independent. Term life, mortgage cover and policy reviews
Protect the people who count on you.
Life insurance pays a sum to your family, partner or co-borrower if you die. We help you find out whether you need it, how much and for how long, without a sales pitch.
What would you like to protect?
My familyPartner and children Our homeMortgage cover Review my policyIs it still right? I’m not sure yetDo I even need it?
- No health questions here
- No obligation
- A person replies, not a bot
No health questions hereOnly later, if you decide to apply- Independent broker, several insurers compared
- Advice in EN · DE · FR
- Office in Zurich, Strehlgasse 2
Who it’s for
Life insurance is about the people who count on you.
If nobody depends on your income, you may not need it. If someone does, the question is how much and for how long.
Homeowners
A mortgage is often calculated on two incomes.
Cover can let the surviving partner keep the home.
Unmarried couples
AHV pays no widow’s or widower’s pension to unmarried partners. Pension fund benefits depend on the fund’s rules.
Cover can protect a partner the law doesn’t.
Self-employed and partners
Without a pension fund, protection for your family is often thin. Business partners may depend on each other too.
Cover can secure family and business.
The main types
Pure protection, or protection with savings.
Choose a type to see how the cover develops over the years.
Pure protection
The same sum for the whole term.
If you die during the agreed term, your family receives the agreed sum. If you don’t, the policy simply ends. That’s why it is usually the cheapest way to protect a family.
- Suits
- Families who want maximum cover for the premium
- Savings
- None
- Flexibility
- Usually high: no savings tied up
The main types
Pure protection, or protection with savings.
Choose a type to see how the cover develops over the years.
Pure protection
The same sum for the whole term.
If you die during the agreed term, your family receives the agreed sum. If you don’t, the policy simply ends. That’s why it is usually the cheapest way to protect a family.
- Suits
- Families who want maximum cover for the premium
- Savings
- None
- Flexibility
- Usually high: no savings tied up
The main types
Pure protection, or protection with savings.
Choose a type to see how the cover develops over the years.
For a mortgage
Cover that falls as your loan does.
The sum insured goes down over the years, often in line with mortgage repayments. Because the risk falls, the premium is usually lower than for level cover.
- Suits
- Homeowners and co-borrowers
- Savings
- None
- Watch out
- Make sure the cover still matches the loan
The main types
Pure protection, or protection with savings.
Choose a type to see how the cover develops over the years.
Protection plus savings
Cover now, capital later.
Part of the premium protects your family, part builds up savings, often within pillar 3a or 3b. You get a lump sum at the end, but you commit to premiums for many years.
- Suits
- People who want a fixed saving rhythm
- Savings
- Yes, partly guaranteed by contract
- Watch out
- Stopping early can cost money
How much cover?
Three questions, not a formula.
Online rules of thumb ignore what you already have. We start from your real situation.
- 1What would need paying off?The mortgage, loans and other commitments your family would face.
- 2
For how long would they need support?For example until your youngest child finishes education. - 3
What is already in place?AHV and pension fund benefits for spouses and children, and existing policies. We only cover the gap.
Good to know
Start my free check Health questions come later, and only with the insurer.
Life insurance is private insurance. When you apply, the insurer asks about your health and may adjust the premium, exclude certain risks or decline. Our first conversation asks nothing about your health. If you decide to apply, we explain the questions before you answer them.
With EVO Partners
Free advice, clear next steps.
Tell us who you want to protectA few questions, about 2 minutes. No health questions.
We look at the gapWhat your pension fund and AHV already pay, and what’s missing.
You decide if and when to applyOnly then does the insurer ask health questions. We prepare you.
Often not. Life insurance is for people who would be affected financially if you died. If that’s nobody, we’ll tell you.
Pension funds often pay benefits to spouses and children, sometimes also to partners. The amounts depend on your fund’s rules. We read your pension certificate with you and look at the gap.
Pure protection pays a sum if you die during the term, and is usually the cheaper way to protect a family. Policies with savings build up capital too, but tie you to a long contract. We show you both.
Yes. Life insurance is private insurance. Insurers ask health questions and can adjust the premium, exclude risks or decline an application.
Yes. Decreasing term life insurance is often used so the surviving partner can keep the home. Some lenders ask for it.
The first conversation is free. We explain how we are paid before you decide anything.
Often not. Life insurance is for people who would be affected financially if you died. If that’s nobody, we’ll tell you.
Pension funds often pay benefits to spouses and children, sometimes also to partners. The amounts depend on your fund’s rules. We read your pension certificate with you and look at the gap.
Pure protection pays a sum if you die during the term, and is usually the cheaper way to protect a family. Policies with savings build up capital too, but tie you to a long contract. We show you both.
Yes. Life insurance is private insurance. Insurers ask health questions and can adjust the premium, exclude risks or decline an application.
Yes. Decreasing term life insurance is often used so the surviving partner can keep the home. Some lenders ask for it.
The first conversation is free. We explain how we are paid before you decide anything.
Often not. Life insurance is for people who would be affected financially if you died. If that’s nobody, we’ll tell you.
Pension funds often pay benefits to spouses and children, sometimes also to partners. The amounts depend on your fund’s rules. We read your pension certificate with you and look at the gap.
Pure protection pays a sum if you die during the term, and is usually the cheaper way to protect a family. Policies with savings build up capital too, but tie you to a long contract. We show you both.
Yes. Life insurance is private insurance. Insurers ask health questions and can adjust the premium, exclude risks or decline an application.
Yes. Decreasing term life insurance is often used so the surviving partner can keep the home. Some lenders ask for it.
The first conversation is free. We explain how we are paid before you decide anything.
Often not. Life insurance is for people who would be affected financially if you died. If that’s nobody, we’ll tell you.
Pension funds often pay benefits to spouses and children, sometimes also to partners. The amounts depend on your fund’s rules. We read your pension certificate with you and look at the gap.
Pure protection pays a sum if you die during the term, and is usually the cheaper way to protect a family. Policies with savings build up capital too, but tie you to a long contract. We show you both.
Yes. Life insurance is private insurance. Insurers ask health questions and can adjust the premium, exclude risks or decline an application.
Yes. Decreasing term life insurance is often used so the surviving partner can keep the home. Some lenders ask for it.
The first conversation is free. We explain how we are paid before you decide anything.
Often not. Life insurance is for people who would be affected financially if you died. If that’s nobody, we’ll tell you.
Pension funds often pay benefits to spouses and children, sometimes also to partners. The amounts depend on your fund’s rules. We read your pension certificate with you and look at the gap.
Pure protection pays a sum if you die during the term, and is usually the cheaper way to protect a family. Policies with savings build up capital too, but tie you to a long contract. We show you both.
Yes. Life insurance is private insurance. Insurers ask health questions and can adjust the premium, exclude risks or decline an application.
Yes. Decreasing term life insurance is often used so the surviving partner can keep the home. Some lenders ask for it.
The first conversation is free. We explain how we are paid before you decide anything.
Often not. Life insurance is for people who would be affected financially if you died. If that’s nobody, we’ll tell you.
Pension funds often pay benefits to spouses and children, sometimes also to partners. The amounts depend on your fund’s rules. We read your pension certificate with you and look at the gap.
Pure protection pays a sum if you die during the term, and is usually the cheaper way to protect a family. Policies with savings build up capital too, but tie you to a long contract. We show you both.
Yes. Life insurance is private insurance. Insurers ask health questions and can adjust the premium, exclude risks or decline an application.
Yes. Decreasing term life insurance is often used so the surviving partner can keep the home. Some lenders ask for it.
The first conversation is free. We explain how we are paid before you decide anything.
Often not. Life insurance is for people who would be affected financially if you died. If that’s nobody, we’ll tell you.
Pension funds often pay benefits to spouses and children, sometimes also to partners. The amounts depend on your fund’s rules. We read your pension certificate with you and look at the gap.
Pure protection pays a sum if you die during the term, and is usually the cheaper way to protect a family. Policies with savings build up capital too, but tie you to a long contract. We show you both.
Yes. Life insurance is private insurance. Insurers ask health questions and can adjust the premium, exclude risks or decline an application.
Yes. Decreasing term life insurance is often used so the surviving partner can keep the home. Some lenders ask for it.
The first conversation is free. We explain how we are paid before you decide anything.
Often not. Life insurance is for people who would be affected financially if you died. If that’s nobody, we’ll tell you.
Pension funds often pay benefits to spouses and children, sometimes also to partners. The amounts depend on your fund’s rules. We read your pension certificate with you and look at the gap.
Pure protection pays a sum if you die during the term, and is usually the cheaper way to protect a family. Policies with savings build up capital too, but tie you to a long contract. We show you both.
Yes. Life insurance is private insurance. Insurers ask health questions and can adjust the premium, exclude risks or decline an application.
Yes. Decreasing term life insurance is often used so the surviving partner can keep the home. Some lenders ask for it.
The first conversation is free. We explain how we are paid before you decide anything.
Peace of mind starts with one question.
Two minutes. No health questions. A person reads every request.