Insurance and pensions

Well covered. Never too much, never too little.

Being well covered today and preparing for tomorrow. Your insurance and your three pillars, thought through together.

Your insurance fileReviewed

Health and supplementaryOptimised

Liability and householdCovered

Loss of earnings and disabilityCovered

Legal protectionGap detected

Pillar 3a 2026CHF 5'800 / 7'258

CHF 1'240

Premiums saved / year

The Swiss system

Three pillars, a balance to build.

Each pillar has a precise role. It is their combination, tailored to your situation, that makes a pension solid.

AHV / IV

State pension

It covers the essential minimum. For most households it replaces roughly a third of the last income, which is indispensable but not enough on its own.

BVG / LPP

Occupational pension

Your pension fund tops up the state pension. Buy-ins, plan choices, capital or annuity are high-impact decisions that are often neglected.

Pillars 3a and 3b

Private pension

This is the part you fully control, with tax-privileged savings, insurance or securities. It is where your room for manoeuvre is greatest.

The right moments to act

Every stage of life changes the picture.

First job

Start early, because every year counts thanks to compound interest.

Couple and family

Protect your partner and children against the unexpected, review your beneficiaries.

Buying property

Use pillar 2 and 3 assets as equity, without weakening your retirement.

Self-employment

Offset the absence of mandatory occupational pension with a stronger 3a strategy.

Approaching retirement

Plan annuity or capital, stagger withdrawals, optimise taxes.

Retirement planning

The last ten years are decisive.

Between 55 and 65, every choice carries weight, from pension buy-ins and staggered 3a withdrawals to annuity or capital and early retirement. We build a precise timetable with you to approach this milestone with confidence.

Plan my pension

Gap analysis

Do you know what you would receive tomorrow?

In the event of disability, death or simply at retirement, three-pillar benefits vary greatly from one situation to another. Our analysis puts a precise figure on what you would receive today, and what would be missing.

Projection of your future AHV, BVG and pillar 3 pensions

Quantified gaps in case of disability or death

A concrete action plan, prioritised to your budget

Tax optimisation of 3a contributions and pension buy-ins

Pillar 3a simulator

How much will you have at retirement?

Estimate your pillar 3a capital based on your contributions and the duration.

Annual contributionCHF 7'258

Years until retirement20 yrs

Estimated annual return3%

Capital at retirement

CHF 195'025

Total contributedCHF 145'160

Return generatedCHF 49'865

Indicative estimate, with no contractual value. The precise calculation is made with an advisor.

Refine with an advisor

Open the full calculator

Our domains

All your cover, under one roof.

From health insurance to legal protection, we keep the whole picture coherent, with no gaps and no overlaps.

Our domains

Health and accident

Basic insurance, supplementary cover and accident insurance form the foundation of your security, optimised every autumn.

Our reflex

Every autumn we compare next year's premiums and only suggest a switch when it is worth it.

01 / 06

Book an appointment

One single contact for all your contracts

Our role

Before you sign, and above all after.

A broker is not just there to compare premiums. We remain your contact when a claim needs filing, a decision needs challenging or cover needs adjusting after a life change. You are never alone in front of your insurer again.

Full support in the event of a claim
Annual review of your health premiums

How we work

Four steps to the right cover.

One adviser stays with you from the first meeting to the yearly review. You always know where your file stands.

Analyse my cover

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01
Analyse
Step 01
We review your current policies and identify overlaps, gaps and excessive premiums.
02
Compare
Step 02
We consult our partner companies and put their offers in competition.
03
Solutions
Step 03
We put the chosen solution in place and handle cancellations, deadlines and paperwork. You sign, we do the rest.
04
Review together
Step 04
Every year, we take stock together so your cover keeps pace with your life and the market.

FAQ

Your questions, our answers.

Pillar 3a is tax-deductible but tied, so the funds are in principle locked until retirement. Pillar 3b is flexible, without a ceiling, with other advantages depending on the canton. The right answer depends on your goals and your tax situation.

In detail

The services in this area

Pension savings

Build capital, tax-efficiently, at your own pace.

Bank or insurance pillar 3a, flexible pillar 3b, savings in cash or in securities. Each solution has its strengths. We combine them around your horizon, your budget and your family situation, without ever locking up what you might need tomorrow.

Structure my savings

What we put in place

Pillar 3a

A tax deduction every year, capital for retirement or home ownership.

Pillar 3b

Flexible savings, no ceiling, the natural complement to 3a.

Savings in securities

Adding return to long-term savings, matched to your risk profile.

Built-in protection

Protecting the family and keeping savings on track if life takes a turn.

Health insurance

Basic and supplementary cover, optimised every autumn.

Basic insurance covers the same benefits everywhere, only the premium changes. The real differences lie in supplementary cover, such as complementary medicine, glasses, fitness, semi-private or private hospitalisation. We build a coherent whole, without overlaps with your other policies.

Compare my premiums

What we analyse

Basic insurance

Premium, deductible and model (family doctor, HMO, telemedicine) adjusted to your real usage.

Supplementary care

Complementary medicine, prevention, glasses, abroad. Useful only if they match your life.

Hospitalisation

General, semi-private or private. Free choice of doctor and comfort, to secure while health allows.

Family

Child discounts, maternity and orthodontics cover. The right choices before a child arrives.

Accident insurance

Employees and self-employed, covered at work and beyond.

Mandatory accident insurance covers employees from 8 hours per week with the same employer, including non-occupational accidents. But it compensates 80% of the insured salary, caps the salary taken into account, and covers neither the self-employed nor people without gainful activity. That is where the analysis becomes personal.

Check my cover

What we check

Your status

Employee, part-time, self-employed or not working. Who covers you, and for which accidents.

The compensation level

Is 80% of a capped salary enough to carry your costs? Supplementary accident cover closes the gap.

Accident in health insurance

Without employer cover, accident must be included in your health insurance, never twice.

Disability and death lump sums

Additional capital to protect the family beyond the statutory pensions.

Legal protection

Defend your rights without fearing the bill.

A contested dismissal, an abusive service charge statement, a disputed accident, a botched renovation. Everyday disputes quickly cost thousands of francs in lawyers and proceedings. Legal protection covers these costs and puts its legal team at your service from the very first question.

Compare the offers

The areas covered

Employment

Dismissal, work certificate, unpaid wages, harassment. A real defence in front of an employer.

Housing

Asserting your rights as a tenant over rent increases, statements, terminations and defects.

Traffic

Licence withdrawal, contested accident, dispute with the opposing insurer. A lawyer at your side.

Contracts and consumer

Purchases, travel, subscriptions, e-commerce, for when daily life turns into a dispute.

Household and liability

Your belongings and your liability, fairly insured.

Household insurance replaces your belongings after fire, water damage or theft. Personal liability pays for the damage you cause to others, such as a leak into the neighbour's flat, a skiing accident or a scratch on a rental car. Badly calibrated, they cost too much; well calibrated, they save a budget.

Review my policies

What we adjust

Sum insured

Neither under-insured (reduced payouts) nor over-insured (wasted premiums). The right sum, room by room.

Personal liability

Family, children, pets, rental damage. The safety net of everyday life.

Useful extensions

Simple theft away from home, valuables, e-bikes, instruments. Only if your life justifies them.

Away from home

What follows you on trips, at sport or at work, and what does not.

Loss of earnings

Keep your income if illness stops you.

In case of accident, mandatory insurance takes over. In case of illness, everything depends on your employer, your contract and your status, and the employer's legal obligation ends after a few weeks or months depending on seniority. For the self-employed, there is simply no net. Daily allowance insurance fills precisely that void.

Calculate my gap

What we build

Daily allowances

80 to 100% of salary for up to two years, time to recover or transition to disability insurance.

For the self-employed

An insured income from day one or after a chosen waiting period, premiums adjusted to your cash flow.

Supplementary pensions

Beyond allowances, private disability pensions cover the long run, as state and occupational cover rarely suffice.

Coordination

Employer, disability insurance, pension fund, private cover. We coordinate benefits to avoid gaps and overlaps.

A first meeting, no strings attachedAn insurance portfolio you can finally read.

Bring your current policies. We analyse them free of charge and tell you exactly where you stand.+41 32 525 50 40

Well covered. Never too much, never too little.

Three pillars, a balance to build.

State pension

Occupational pension

Private pension

Every stage of life changes the picture.

First job

Couple and family

Buying property

Self-employment

Approaching retirement

The last ten years are decisive.

Do you know what you would receive tomorrow?

How much will you have at retirement?

All your cover, under one roof.

Health and accident

Liability and household

Legal protection

Loss of earnings

Vehicles

Travel and more

Before you sign, and above all after.

Four steps to the right cover.

Analyse

Compare

Solutions

Review together

Your questions, our answers.

The services in this area

Pension savings

Health insurance

Accident insurance

Legal protection

Household and liability

Loss of earnings