{"id":15472,"date":"2023-11-02T16:22:14","date_gmt":"2023-11-02T15:22:14","guid":{"rendered":"https:\/\/onezone.ch\/surrender-values-and-conversion-values-in-life-insurance\/"},"modified":"2025-01-16T15:46:37","modified_gmt":"2025-01-16T14:46:37","slug":"surrender-values-and-conversion-values-in-life-insurance","status":"publish","type":"post","link":"https:\/\/onezone.ch\/en\/surrender-values-and-conversion-values-in-life-insurance\/","title":{"rendered":"Surrender values and conversion values in life insurance"},"content":{"rendered":"\n\n<section id=\"res-header-image-block_20681719d914a45d986d2687e705f18a\" class=\"res-block res-header-image alignfull \">\n  <div class=\"res-header-img-outside mb-5\" data-aos=\"res-fadeIn\">\n\t<div class=\"res-header-height\">\n\t\t\n\t\n\t  <style> \n\t\t  @media only screen and (min-width: 970px) {\n\t\t\t #res-header-image-block_20681719d914a45d986d2687e705f18a.res-header-image .layout-1.header-img-height { height: 66vh;}  \n\t\t\t #res-header-image-block_20681719d914a45d986d2687e705f18a.res-header-image .layout-1 .res-header-image-vertical-center { top: 50%;} \n\t\t\t  \t\t\t  \n\t\t\t  \n\t\t  }\n\t\t  @media only screen and (max-width: 970px) {  \n\t\t\t#res-header-image-block_20681719d914a45d986d2687e705f18a.res-header-image .layout-1.header-img-height { height: 55vh;} \n\t\t\t  \n\t\t\t  \n\t\t\t    #res-header-image-block_20681719d914a45d986d2687e705f18a.res-header-image .layout-1 .res-header-image-vertical-center { top: 50%;}\t\t\t  \t\t  }\n\t\t  \t  <\/style> \n\t\t\n\t  <div class=\"layout-1 jarallax header-img-height\" data-speed=\"0.6\" style=\"background-color: #000;\">\n\t\t  \n\t\t\t\t<div class=\"res-header-image-vertical-center\">\n\t\t\t\t\t<div class=\"container fluid\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"sloganBox\">\n                           <div class=\"row\">\n                             <div class=\"col col-md-8 text-left\">\n\t\t\t\t\t\t\t\t <div class=\"\" data-aos=\"res-leftIncoming\">\n\t\t\t\t\t\t\t\t \n                                \t\n\t\t\t\t\t\t\t\t \n                                  \n\t\t\t\t\t\t\t\t \t<h2>Surrender values and conversion values in life insurance<\/h2>\n                                \t\t\t\t\t\t\t\t \n                                \t\n\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t                 <\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<img decoding=\"async\" class=\"jarallax-img img-fluid\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-fullscreen-faq-1920x1080.webp\" alt=\"\"  style=\"opacity: 0.9;\" \/>\n\t\t    \t\t  \n\t\t\t \n\t\t\t  <div class=\"header-arrow\"><a class=\"scrollerTo\" href=\"#kosten\"><i class=\"fal fa-chevron-down\" aria-hidden=\"true\"><\/i><\/a> <\/div>\n\t\t\t\t\t  \n\t\t   <\/div>\n\t\t\t \n\t \n\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\t\r\n  \r\n\t<style>\r\n\t\t.link-anker-with-no-padding {padding: 0 !important;}\r\n  <\/style>\r\n\r\n<section id=\"costs\" class=\"res-block res-link-anker py-4 Transparent link-anker-with-no-padding\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\t\r\n\t\t\r\n\t  \r\n\r\n\t<\/div>\r\n<\/section>\r\n\r\n<section id=\"res-txt-block_d0ccfde0cae2b1c0eadbfbf220b75c4c\" class=\"res-block res-txt alignfull layout01 p-no Transparent\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\r\n\r\n<section id=\"res-txt-block_d7cd6b0fc6d68357a9a5e9f18d5eb51f\" class=\"res-block res-txt alignfull layout01 pb-2 Transparent\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\r\n<section id=\"res-icons-text-block_e3ec4de10e959bde3e754c36e5a100d8\" class=\"res-block res-icons-text alignfull py-2 Transparent\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container\" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t  <style>\r\n\t\t  #res-icons-text-block_e3ec4de10e959bde3e754c36e5a100d8.res-icons-text .iconbox-bottom { margin-bottom:2%;}\r\n\t\t  #res-icons-text-block_e3ec4de10e959bde3e754c36e5a100d8.res-icons-text .iconbox-side { margin-right:5%;}\r\n\t\t  #res-icons-text-block_e3ec4de10e959bde3e754c36e5a100d8.res-icons-text .iconbox { font-size:90%; line-height: 150%;} \r\n\t  <\/style> \r\n\r\n <div class=\"icons-text-layout row row-cols-1 row-cols-md-1 no-gutters\">\r\n\t \r\n     \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 bg-light p-1\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-2 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/unnamed-file-1046x1300.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-10 icons-txt-content col-md-10\">\r\n\t\t\t\t\t<p>If the insurance company has a cooperative structure, they do not have to serve shareholders, which often also reduces investment costs in favor of customers.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n               <\/div>  \r\n\t  \r\n\t  \r\n\t<\/div>\r\n<\/section>\r\n\r\n\r\n\r\n<section id=\"res-txt-block_0f46fb60269c36c2b5eed811d70555ec\" class=\"res-block res-txt alignfull layout01 py-3 Transparent\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\r\n  \r\n\t<style>\r\n\t\t.link-anker-with-no-padding {padding: 0 !important;}\r\n  <\/style>\r\n\r\n<section id=\"ADVANTAGES\" class=\"res-block res-link-anker p-no Transparent link-anker-with-no-padding\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\t\r\n\t\t\r\n\t  \r\n\r\n\t<\/div>\r\n<\/section>\r\n\r\n<section id=\"res-txt-block_ae816bb72185a2d7a1bd727ade915007\" class=\"res-block res-txt alignfull layout01 py-1 Transparent\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\n<div class=\"wp-block-columns alignfull is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\r\n<section id=\"res-icons-text-block_57bee5657d5f6bb534fd7b584fd787c3\" class=\"res-block res-icons-text alignfull p-no Transparent\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container fluid\" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t  <style>\r\n\t\t  #res-icons-text-block_57bee5657d5f6bb534fd7b584fd787c3.res-icons-text .iconbox-bottom { margin-bottom:2%;}\r\n\t\t  #res-icons-text-block_57bee5657d5f6bb534fd7b584fd787c3.res-icons-text .iconbox-side { margin-right:5%;}\r\n\t\t  #res-icons-text-block_57bee5657d5f6bb534fd7b584fd787c3.res-icons-text .iconbox { font-size:80%; line-height: 150%;} \r\n\t  <\/style> \r\n\r\n <div class=\"icons-text-layout row row-cols-1 row-cols-md-2 no-gutters\">\r\n\t \r\n     \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Guarantee<\/strong>:<\/span> Insurance companies offer solutions with a <a href=\"http:\/\/lebensversicherung-kosten#garantie\"><strong>guarantee<\/strong><\/a>. Some companies, such as <em>SwissLife<\/em>, even <strong>increase<\/strong> the guarantee <strong>during the term<\/strong> by continuously hedging the profits made &#8211; so success is <em>guaranteed<\/em>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/3x.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Minimum contract term \/ less short-term saving:<\/strong><\/span> Insurance solutions are geared towards <em>long-term contracts and corresponding goals<\/em>. If a contract is terminated and repurchased <strong>after just under 3 years<\/strong>, the costs have only just been amortized and the <strong>savings results are not yet at the planned level<\/strong>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Costs<\/strong><\/span>Yes, insurance solutions also have administrative costs that have to be amortized &#8211; the majority during the first 1-3 years. After that, however, insurance companies have better investment strategies and do not have to recover further costs or make up for any losses. <strong>In the long run<\/strong>, <strong>insurance companies<\/strong> thus have <strong>lower<\/strong> <strong>costs<\/strong> than <a href=\"http:\/\/onezone.ch\/lebensversicherung-kosten#kosten\">banks<\/a>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/3x.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Less flexibility:<\/strong><\/span> The <em>payment<\/em> of periodic <strong>premiums for <\/strong>insurance policies <strong> <em>must<\/em> <\/strong>be <strong><em>be adhered to<\/em><\/strong>. However, some companies also offer the option of taking a <em>premium break<\/em>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Protection against further risks:<\/strong><\/span> In addition to the savings policy, risks such as a <em>lump-sum death benefit <\/em>&#8211; to<strong> protect the family; <\/strong>financial consequences of <em>disability<\/em> &#8211; to <strong>protect income; <\/strong>and a <em>premium waiver in the event of disability<\/em> can be insured &#8211; so that the <strong>policy<\/strong> <strong>continues to run<\/strong> automatically, even <strong>if the premium is not paid<\/strong>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p style=\"text-align: center\">No further disadvantages<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Higher savings capital through discipline:<\/strong><\/span> The premium amount of a life insurance policy can be defined when the policy is taken out and in many situations adjusted during the term of the contract. Once this is defined and agreed upon, it is to be <em>paid in<\/em> <em>periodically and regularly<\/em> (annually or monthly) &#8211; this leads to a regular payment and through this corresponding <strong>discipline<\/strong> one achieves <strong>secure<\/strong> (and more predictable) <strong>goals<\/strong>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p style=\"text-align: center\">No further disadvantages<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Higher interest rates in the long term:<\/strong><\/span> With insurance solutions, <em>guaranteed interest<\/em> is paid on your <em>savings<\/em> &#8211; not market interest. In addition to this, insurance companies also accumulate <em>surpluses from profits<\/em> here. This means that in <strong>the long term<\/strong>, <strong>higher interest rates<\/strong> are achieved and thus better results are achieved.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p style=\"text-align: center\">No further disadvantages<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n               <\/div>  \r\n\t  \r\n\t  \r\n\t<\/div>\r\n<\/section>\r\n\r\n<\/div>\n<\/div>\n\r\n\r\n<section id=\"res-txt-block_14474e08ed7ff78ac978744ee1dcfee2\" class=\"res-block res-txt alignfull layout01 pt-3 Transparent\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\n<div class=\"wp-block-columns alignfull is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\r\n<section id=\"res-icons-text-block_9735b6ab03f501251f5c351f01dc2f3b\" class=\"res-block res-icons-text alignfull p-no Transparent\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container fluid\" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t  <style>\r\n\t\t  #res-icons-text-block_9735b6ab03f501251f5c351f01dc2f3b.res-icons-text .iconbox-bottom { margin-bottom:2%;}\r\n\t\t  #res-icons-text-block_9735b6ab03f501251f5c351f01dc2f3b.res-icons-text .iconbox-side { margin-right:5%;}\r\n\t\t  #res-icons-text-block_9735b6ab03f501251f5c351f01dc2f3b.res-icons-text .iconbox { font-size:80%; line-height: 150%;} \r\n\t  <\/style> \r\n\r\n <div class=\"icons-text-layout row row-cols-1 row-cols-md-2 no-gutters\">\r\n\t \r\n     \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>More flexibility<\/strong>:<\/span> There is no periodic payment obligation with a bank &#8211; you can <strong>pay in as often and in the amount of your choice<\/strong> and open flexible accounts and custody accounts.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/3x.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Poorer discipline:<\/strong><\/span> Since there is no &#8220;compulsion&#8221; to save, one is acc. studies <em>less motivated<\/em> and <strong>saves correspondingly less<\/strong> than if you have a consistent savings plan with periodic premiums like insurance.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/Tick-Blau.-transpar-1300x1214.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><u><b>Short-term savings possible:<\/b><\/u> As you can pay in as much and as often as you like, a short-term solution is also possible for the <strong>duration of the contract<\/strong>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/3x.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>Less profitable:<\/strong><\/span> Banks and their 3a accounts are based on <em>market interest rates<\/em> and these are usually <strong>below the inflation rate<\/strong>. This means that the impact of <em>inflation<\/em> <em>limits<\/em> your <em>savings<\/em>.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p style=\"text-align: center\">No further advantages<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/3x.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><u><b>Interruption of premium payments in the event of disability:<\/b><\/u> With an insurance solution, savings are automatically continued by the insurance company itself in the event of disability. with a 3a account at the bank, the savings premiums would still have to be paid by the insured person, which is normally difficult in the case of disability.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p style=\"text-align: center\">No further advantages<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow p-2\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-1 icons-txt-img pb-0 col-md-1\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/11\/3x.png\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-11 icons-txt-content col-md-11\">\r\n\t\t\t\t\t<p><span style=\"text-decoration: underline\"><strong>No risk protection:<\/strong><\/span> The risks of<em> disability <\/em>and <em>lump-sum death benefit <\/em> <strong>cannot be insured<\/strong> with a bank. A 3a Bank account is exclusively about saving.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n               <\/div>  \r\n\t  \r\n\t  \r\n\t<\/div>\r\n<\/section>\r\n\r\n<\/div>\n<\/div>\n\r\n\r\n\r\n<section id=\"res-btn-block_fb8a0c5386a74ee5a39b4db334b106a5\" class=\"res-block res-btn alignfull py-4 Grau\" style=\"background-color: #eeeff6;\">\r\n  <div class=\"inner-container container-off  \" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t\t\t<style>\r\n\t\t\t#res-btn-block_fb8a0c5386a74ee5a39b4db334b106a5 .res-btn-container-small { max-width: 850px;}\r\n\t\t<\/style>\r\n\t\r\n\t  \t   <div class=\"text text-left\"><h3>Do you have any other questions? We are at your disposal.<\/h3>\n<h4>Contact us now, or order a non-binding Pillar 3a insurance quote right away:<\/h4>\n<\/div>\r\n\t\t\r\n\t  \r\n\t  \r\n\t\t<div class=\"ausrichtung-btn text-left\">\r\n\r\n\t\t\t\t\t<a class=\"btn  btn-primary \" href=\"https:\/\/onezone.ch\/vorsorge-saeule-3a\/#vorsorgeanfragen\" target=\"_blank\">Order insurance quote pillar 3a<\/a>\r\n\t\t\t\t\t<a class=\"btn  btn-primary \" href=\"https:\/\/onezone.ch\/lebensversicherung-kosten#beratung\" target=\"_self\">Request pension advice<\/a>\r\n\t\t\t\t<\/div>\r\n\t\t  \r\n\t  \r\n\t  \r\n\t  \r\n\t<\/div>\r\n<\/section>\r\n\r\n\r\n\r\n<section id=\"res-txt-block_8645bb975fe5dab5505c1c43a85e7bfa\" class=\"res-block res-txt alignfull layout01 pt-4 Transparent\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\r\n  \r\n\t<style>\r\n\t\t.link-anker-with-no-padding {padding: 0 !important;}\r\n  <\/style>\r\n\r\n<section id=\"consulting\" class=\"res-block res-link-anker py-4 Transparent link-anker-with-no-padding\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\t\r\n\t\t\r\n\t\t\t<div class=\"py-2 shortocode-content\">\r\n\t\t\t<form method=\"post\" enctype=\"multipart\/form-data\" id=\"vfbp-form-99\" class=\"vfbp-form\"><div style=\"display:none;\"><label for=\"vfbp-EMAIL-AN8fuQyoDLXem\">If you are human, leave this field blank.<\/label><input size=\"25\" autocomplete=\"off\" type=\"text\" name=\"vfbp-EMAIL-AN8fuQyoDLXem\" value=\"\" id=\"\"><\/div><input type=\"hidden\" name=\"_vfb-timestamp-99\" value=\"1777627971\" id=\"\"><input type=\"hidden\" name=\"_vfb-form-id\" value=\"99\" id=\"\"><div class=\"vfb-form-group vfb-col-12\"><div><h3 class=\"\"><strong>Vorsorge-Beratung anfordern f\u00fcr<\/strong><\/h3><\/div><\/div><div class=\"vfb-col-12 vfb-fieldType-heading\" id=\"vfbField2166\"><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-4 vfb-fieldType-select\" id=\"vfbField2163\"><label for=\"vfb-field-2163\" class=\"vfb-control-label\">Herr\/Frau\/Divers<\/label><div><div class=\"vfb-form-group\"><select id=\"vfb-field-2163\" class=\"vfb-form-control\" placeholder=\"\" name=\"vfb-field-2163\"><option value=\"Herr\">Herr<\/option><option value=\"Frau\">Frau<\/option><option value=\"Divers\">Divers<\/option><\/select><\/div><\/div><\/div><div class=\"vfb-col-4 vfb-fieldType-text\" id=\"vfbField2160\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2160\" class=\"vfb-control-label\">Name<\/label><div><input id=\"vfb-field-2160\" class=\"vfb-form-control\" placeholder=\"Name\" type=\"text\" name=\"vfb-field-2160\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-4 vfb-fieldType-text\" id=\"vfbField2161\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2161\" class=\"vfb-control-label\">Vorname<\/label><div><input id=\"vfb-field-2161\" class=\"vfb-form-control\" placeholder=\"Vorname\" type=\"text\" name=\"vfb-field-2161\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-4 vfb-fieldType-date\" id=\"vfbField2159\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2159\" class=\"vfb-control-label\">Geburtsdatum<\/label><div><input id=\"vfb-field-2159\" class=\"vfb-form-control\" placeholder=\"Geburtsdatum\" data-provide=\"datepicker\" type=\"text\" name=\"vfb-field-2159\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-4 vfb-fieldType-text\" id=\"vfbField2164\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2164\" class=\"vfb-control-label\">Adresse: Strasse und Nr.<\/label><div><input id=\"vfb-field-2164\" class=\"vfb-form-control\" placeholder=\"Adresse: Strasse und Nr.\" type=\"text\" name=\"vfb-field-2164\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-4 vfb-fieldType-text\" id=\"vfbField2165\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2165\" class=\"vfb-control-label\">Adresse: PLZ und Ort<\/label><div><input id=\"vfb-field-2165\" class=\"vfb-form-control\" placeholder=\"Adresse: PLZ und Ort\" type=\"text\" name=\"vfb-field-2165\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-form-group vfb-col-12\"><div><h3 class=\"\">Teile uns mit, \u00fcber welche Themen du beraten werden m\u00f6chtest.<\/h3><\/div><\/div><div class=\"vfb-col-12 vfb-fieldType-heading\" id=\"vfbField2154\"><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-checkbox\" id=\"vfbField2155\"><label for=\"vfb-field-2155\" class=\"vfb-control-label\"><\/label><div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-2155-0\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-2155\" type=\"checkbox\" name=\"vfb-field-2155[0]\" value=\"1\">Ich m\u00f6chte eine Risikopolice abschliessen (Erwerbsunf\u00e4higkeitsrente \/ Todesfallkapital)<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-2155-1\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-2155\" type=\"checkbox\" name=\"vfb-field-2155[1]\" value=\"1\">Ich m\u00f6chte eine Sparversicherung abschliessen<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-2155-2\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-2155\" type=\"checkbox\" name=\"vfb-field-2155[2]\" value=\"1\">Ich m\u00f6chte eine Police abschliessen, mit der ich sowohl Sparen, als auch Risiken versichern kann<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-2155-3\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-2155\" type=\"checkbox\" name=\"vfb-field-2155[3]\" value=\"1\">Ich weiss noch nicht, welche L\u00f6sung ich ben\u00f6tige und m\u00f6chte mich beraten lassen<\/label><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-form-group vfb-col-12\"><div><h3 class=\"\">Teile uns mit, wann und wie du die Beratung oder Kontaktaufnahme w\u00fcnschst.<\/h3><\/div><\/div><div class=\"vfb-col-12 vfb-fieldType-heading\" id=\"vfbField2142\"><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-6 vfb-fieldType-date\" id=\"vfbField2143\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2143\" class=\"vfb-control-label\">Datum <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-2143\" class=\"vfb-form-control\" placeholder=\"gew&uuml;nschtes Datum f&uuml;r die Beratung\" required=\"required\" data-provide=\"datepicker\" type=\"text\" name=\"vfb-field-2143\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-6 vfb-fieldType-time\" id=\"vfbField2144\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2144\" class=\"vfb-control-label\">Zeit 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