{"id":15476,"date":"2023-11-02T16:22:14","date_gmt":"2023-11-02T15:22:14","guid":{"rendered":"https:\/\/onezone.ch\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/"},"modified":"2025-01-16T15:45:50","modified_gmt":"2025-01-16T14:45:50","slug":"valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita","status":"publish","type":"post","link":"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/","title":{"rendered":"Valori di riscatto e valori di conversione nelle assicurazioni sulla vita"},"content":{"rendered":"\n\n<section id=\"res-header-image-block_7d46f8b7e2417a9739a1edf9743c676d\" 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_7d46f8b7e2417a9739a1edf9743c676d.res-header-image .layout-1.header-img-height { height: 66vh;}  \n\t\t\t #res-header-image-block_7d46f8b7e2417a9739a1edf9743c676d.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_7d46f8b7e2417a9739a1edf9743c676d.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_7d46f8b7e2417a9739a1edf9743c676d.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=\"colore di sfondo: #000;\">\n\t\t  \n\t\t\t\t<div class=\"res-header-image-vertical-center\">\n\t\t\t\t\t<div class=\"contenitore fluido\">\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 testo-sinistra\">\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>Valori di riscatto e valori di conversione nelle assicurazioni sulla vita<\/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=\"\" 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=\"costi\" class=\"res-block res-link-anker py-4  link-anker-with-no-padding\" style=\"sfondo: trasparente;\">\r\n  <div class=\"inner-container contenitore-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_aa37ecea6f35c57403da0239b7b150a8\" class=\"res-block res-txt alignfull layout01 p-no \" style=\"sfondo: trasparente;\">\r\n  <div class=\"inner-container contenitore-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_f8ae0779a04bef393cbb618ee7ae7001\" class=\"res-block res-txt alignfull layout01 pb-2 \" style=\"sfondo: trasparente;\">\r\n  <div class=\"inner-container contenitore-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_71558e1c83817919574d11ccace9d32f\" class=\"res-block res-icons-text alignfull py-2 \" style=\"sfondo: trasparente;\">\r\n  <div class=\"inner-container contenitore\" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t  <style>\r\n\t\t  #res-icons-text-block_71558e1c83817919574d11ccace9d32f.res-icons-text .iconbox-bottom { margin-bottom:2%;}\r\n\t\t  #res-icons-text-block_71558e1c83817919574d11ccace9d32f.res-icons-text .iconbox-side { margin-right:5%;}\r\n\t\t  #res-icons-text-block_71558e1c83817919574d11ccace9d32f.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-luce 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>Se la compagnia assicurativa ha una struttura cooperativa, non deve servire gli azionisti, il che spesso riduce anche i costi di investimento a favore dei clienti.<\/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_c7b666c0709875bbe67fb4264154c6c1\" class=\"res-block res-txt alignfull layout01 py-3 \" style=\"sfondo: trasparente;\">\r\n  <div class=\"inner-container contenitore-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=\"vantaggi-svantaggi\" class=\"res-block res-link-anker p-no  link-anker-with-no-padding\" style=\"sfondo: trasparente;\">\r\n  <div class=\"inner-container contenitore-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_901bf88d9680bf3f893ced9aeab0ba5e\" class=\"res-block res-txt alignfull layout01 py-1 \" style=\"sfondo: trasparente;\">\r\n  <div class=\"inner-container contenitore-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_684a40e91f41832b0d8f5963ac1c2f7b\" class=\"res-block res-icons-text alignfull p-no \" style=\"sfondo: trasparente;\">\r\n  <div class=\"inner-container contenitore fluido\" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t  <style>\r\n\t\t  #res-icons-text-block_684a40e91f41832b0d8f5963ac1c2f7b.res-icons-text .iconbox-bottom { margin-bottom:2%;}\r\n\t\t  #res-icons-text-block_684a40e91f41832b0d8f5963ac1c2f7b.res-icons-text .iconbox-side { margin-right:5%;}\r\n\t\t  #res-icons-text-block_684a40e91f41832b0d8f5963ac1c2f7b.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 ombra 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>Garanzia<\/strong>:<\/span> le compagnie assicurative offrono soluzioni con una garanzia <a href=\"http:\/\/lebensversicherung-kosten#garantie\"><strong>garanzia<\/strong><\/a>. Alcune compagnie, come <em>SwissLife<\/em>, <strong>aumentano<\/strong> addirittura la garanzia <strong>nel corso della durata<\/strong>, coprendo continuamente i profitti ottenuti: il successo \u00e8 quindi <em>assicurato<\/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 ombra 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>Durata minima del contratto \/ meno risparmio a breve termine:<\/strong><\/span> Le soluzioni assicurative sono orientate a <em>contratti a lungo termine e ai relativi obiettivi<\/em>.<br \/>\nSe disdici un contratto <strong>dopo soli 3 anni<\/strong> e vuoi riacquistarlo, i costi sono stati appena ammortizzati e i <strong>risultati del risparmio non sono ancora al livello previsto<\/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 ombra 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>I costi<\/strong><\/span>S\u00ec, le soluzioni assicurative hanno anche dei costi amministrativi che devono essere ammortizzati &#8211; la maggior parte nei primi 1-3 anni. Dopodich\u00e9, per\u00f2, le compagnie assicurative hanno strategie di investimento migliori e non devono recuperare ulteriori costi o compensare eventuali perdite. Nel <strong>lungo periodo<\/strong>, quindi, le <strong>compagnie assicurative<\/strong> hanno <strong>costi<\/strong> <strong>inferiori<\/strong> rispetto alle <a href=\"http:\/\/onezone.ch\/lebensversicherung-kosten#kosten\">banche<\/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 ombra 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>Meno flessibilit\u00e0:<\/strong><\/span> Il <em>pagamento<\/em> dei <strong>premi <\/strong>periodici <strong>per le <\/strong>polizze assicurative <strong> <em>deve<\/em> <\/strong>essere <strong><em>essere rispettato<\/em><\/strong>. Tuttavia, alcune aziende offrono anche la possibilit\u00e0 di fare una <em>pausa premio<\/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 ombra 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>Protezione contro ulteriori rischi:<\/strong><\/span> Oltre alla polizza di risparmio, \u00e8 possibile assicurare rischi come il <em>capitale in caso di morte <\/em>&#8211; per<strong> proteggere la famiglia; le <\/strong>conseguenze finanziarie dell&#8217;<em>invalidit\u00e0<\/em> &#8211; per <strong>proteggere il reddito; <\/strong>e l&#8217;<em>esonero dal pagamento del premio in caso di invalidit\u00e0<\/em> &#8211; in modo che la <strong>polizza<\/strong> <strong>continui a funzionare<\/strong> automaticamente, anche <strong>se il premio non viene pagato<\/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 ombra 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\">Nessun altro svantaggio<\/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 ombra 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>Un capitale di risparmio pi\u00f9 elevato grazie alla disciplina:<\/strong><\/span> L&#8217;importo del premio di una polizza di assicurazione sulla vita pu\u00f2 essere definito al momento della stipula e, in molte situazioni, pu\u00f2 essere modificato durante la durata della polizza. Una volta definita e concordata la cifra, questa deve essere <em>versata<\/em> <em>periodicamente e regolarmente<\/em> (annualmente o mensilmente): in questo modo si ottiene un pagamento regolare e si raggiungono <strong>obiettivi<\/strong> <strong>sicuri<\/strong> (e pi\u00f9 prevedibili) grazie a questa <strong>disciplina<\/strong> corrispondente.<\/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 ombra 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\">Nessun altro svantaggio<\/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 ombra 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>Tassi di interesse pi\u00f9 elevati nel lungo periodo:<\/strong><\/span> Con le soluzioni assicurative, vengono pagati <em>interessi garantiti<\/em> sui tuoi <em>risparmi<\/em>, non interessi di mercato. Oltre a questo, le compagnie assicurative accumulano anche delle <em>eccedenze derivanti dai profitti<\/em>. Ci\u00f2 significa che a <strong>lungo<\/strong> termine si ottengono <strong>tassi di interesse pi\u00f9 elevati<\/strong> e quindi risultati migliori.<\/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 ombra 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\">Nessun altro svantaggio<\/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_ca93325efb421e4f907ac1c6a154d90c\" class=\"res-block res-txt alignfull layout01 pt-3 \" style=\"sfondo: trasparente;\">\r\n  <div class=\"inner-container contenitore-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_6a7752ae7c992a2e9b0024ebf1a002b4\" class=\"res-block res-icons-text alignfull p-no \" style=\"sfondo: trasparente;\">\r\n  <div class=\"inner-container contenitore fluido\" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t  <style>\r\n\t\t  #res-icons-text-block_6a7752ae7c992a2e9b0024ebf1a002b4.res-icons-text .iconbox-bottom { margin-bottom:2%;}\r\n\t\t  #res-icons-text-block_6a7752ae7c992a2e9b0024ebf1a002b4.res-icons-text .iconbox-side { margin-right:5%;}\r\n\t\t  #res-icons-text-block_6a7752ae7c992a2e9b0024ebf1a002b4.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 ombra 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>Maggiore flessibilit\u00e0<\/strong>:<\/span> con una banca non c&#8217;\u00e8 alcun obbligo di pagamento periodico &#8211; puoi <strong>versare con la frequenza e l&#8217;importo che preferisci<\/strong> e aprire conti flessibili e conti deposito.<\/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 ombra 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>Una disciplina pi\u00f9 povera:<\/strong><\/span> Poich\u00e9 non c&#8217;\u00e8 alcuna &#8220;costrizione&#8221; a risparmiare, si \u00e8 acc. studia in modo <em>meno motivato<\/em> e <strong>risparmia di conseguenza meno<\/strong> rispetto a chi ha un piano di risparmio costante con premi periodici come una polizza assicurativa.<\/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 ombra 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>Possibilit\u00e0 di risparmio a breve termine:<\/b><\/u> Dato che puoi pagare quanto e quando vuoi, \u00e8 possibile anche una soluzione a breve termine per la <strong>durata del contratto<\/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 ombra 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>Meno redditizio:<\/strong><\/span> Le banche e i loro conti 3a si basano sui <em>tassi di interesse di mercato<\/em>, che di solito sono <strong>inferiori al tasso di inflazione<\/strong>. Ci\u00f2 significa che l&#8217;impatto dell&#8217;<em>inflazione<\/em> <em>limita<\/em> i tuoi <em>risparmi<\/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 ombra 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\">Nessun altro vantaggio<\/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 ombra 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>Interruzione del pagamento dei premi in caso di invalidit\u00e0:<\/b><\/u> Con una soluzione assicurativa, i risparmi vengono portati avanti automaticamente dalla compagnia assicurativa stessa in caso di invalidit\u00e0. con un conto 3a in banca, i premi di risparmio dovrebbero comunque essere pagati dall&#8217;assicurato, cosa che normalmente \u00e8 difficile in caso di invalidit\u00e0.<\/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 ombra 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\">Nessun altro vantaggio<\/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 ombra 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>Nessuna protezione dai rischi:<\/strong><\/span> I rischi di<em> invalidit\u00e0 <\/em>e di <em>capitale in caso di morte <\/em> <strong>non possono essere assicurati<\/strong> con una banca. Un conto corrente 3a serve esclusivamente a risparmiare.<\/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_89bfafc2a70b4916dbb6f11d1fec35e9\" class=\"res-block res-btn alignfull py-4 \" style=\"colore di sfondo: #eeeff6;\">\r\n  <div class=\"inner-container contenitore-off  \" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t\t\t<style>\r\n\t\t\t#res-btn-block_89bfafc2a70b4916dbb6f11d1fec35e9 .res-btn-container-small { max-width: 850px;}\r\n\t\t<\/style>\r\n\t\r\n\t  \t   <div class=\"text testo-sinistra\"><h3>Hai altre domande? Siamo a tua disposizione.<\/h3>\n<h4>Contattaci ora o richiedi subito un preventivo assicurativo non vincolante per il pilastro 3a:<\/h4>\n<\/div>\r\n\t\t\r\n\t  \r\n\t  \r\n\t\t<div class=\"ausrichtung-btn testo-sinistra\">\r\n\r\n\t\t\t\t\t<a class=\"btn  btn-primario \" href=\"https:\/\/onezone.ch\/vorsorge-saeule-3a\/#vorsorgeanfragen\" target=\"_blank\">Richiedi un preventivo per l&#039;assicurazione del pilastro 3a<\/a>\r\n\t\t\t\t\t<a class=\"btn  btn-primario \" href=\"https:\/\/onezone.ch\/lebensversicherung-kosten#beratung\" target=\"_self\">Richiedi una consulenza pensionistica<\/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_f4a5ee16471c4da97c73ee72c345b8e8\" class=\"res-block res-txt alignfull layout01 pt-4 \" style=\"sfondo: trasparente;\">\r\n  <div class=\"inner-container contenitore-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=\"consigli\" class=\"res-block res-link-anker py-4  link-anker-with-no-padding\" style=\"sfondo: trasparente;\">\r\n  <div class=\"inner-container contenitore-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=\"1777627622\" 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 <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-2144\" class=\"vfb-form-control vfb-clockpicker\" placeholder=\"gew&uuml;nschte Uhrzeit f&uuml;r die Beratung\" required=\"required\" data-donetext=\"Done\" type=\"text\" name=\"vfb-field-2144\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-form-group vfb-col-12\"><div><h3 class=\"\">Teile uns eine Alternative mit, wann und wie du die Beratung oder Kontaktaufnahme w\u00fcnschst. <\/h3><\/div><\/div><div class=\"vfb-col-12 vfb-fieldType-heading\" id=\"vfbField2167\"><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-6 vfb-fieldType-date\" id=\"vfbField2146\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2146\" class=\"vfb-control-label\">Datum <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-2146\" class=\"vfb-form-control\" placeholder=\"gew&uuml;nschtes Datum f&uuml;r die Beratung\" required=\"required\" data-provide=\"datepicker\" type=\"text\" name=\"vfb-field-2146\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-6 vfb-fieldType-time\" id=\"vfbField2147\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2147\" class=\"vfb-control-label\">Zeit <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-2147\" class=\"vfb-form-control vfb-clockpicker\" placeholder=\"gew&uuml;nschte Uhrzeit f&uuml;r die Beratung\" required=\"required\" data-donetext=\"Done\" type=\"text\" name=\"vfb-field-2147\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-6 vfb-fieldType-phone\" id=\"vfbField2148\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2148\" class=\"vfb-control-label\">D\u00fcrfen wir dich telefonisch beraten? Wenn ja, auf welcher Nummer?<\/label><div><input id=\"vfb-field-2148\" class=\"vfb-form-control vfb-intl-phone\" placeholder=\"D&uuml;rfen wir dich telefonisch beraten? Wenn ja, auf welcher Nummer?\" data-default-country=\"ch\" type=\"tel\" name=\"vfb-field-2148\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-6 vfb-fieldType-email\" id=\"vfbField2149\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2149\" class=\"vfb-control-label\">Hinterlasse uns eine Email zur Best\u00e4tigung deines Termins. <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-2149\" class=\"vfb-form-control\" placeholder=\"Hinterlasse uns eine Email zur Best&auml;tigung deines Termins.\" required=\"required\" type=\"email\" name=\"vfb-field-2149\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-textarea\" id=\"vfbField2152\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2152\" class=\"vfb-control-label\">Teile uns besondere w\u00fcnsche mit<\/label><div><textarea id=\"vfb-field-2152\" class=\"vfb-form-control\" placeholder=\"Teile uns besondere w&uuml;nsche mit: z.B. &quot;ich m&ouml;chte eine Beratung via Teams.&quot;\" rows=\"10\" name=\"vfb-field-2152\" cols=\"50\"><\/textarea><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-captcha\" id=\"vfbField2317\"><div class=\"vfb-form-group\"><label for=\"vfb-field-2317\" class=\"vfb-control-label\">Captcha <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><div><\/div><input type=\"hidden\" name=\"_vfb_captcha_simple_enabled\" value=\"1\" id=\"\"><input id=\"vfb-field-2317\" class=\"vfb-form-control form-count\" placeholder=\"\" required=\"required\" data-vfb-required=\"1\" data-vfb-type=\"integer\" data-vfb-minlength=\"2\" data-vfb-maxlength=\"2\" type=\"text\" name=\"_vfb_captcha_simple-99\" value=\"\"><span class=\"vfb-help-block\">For security verification, please enter any random two digit number. For example: 37<\/span><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-checkbox\" id=\"vfbField2324\"><label for=\"vfb-field-2324\" class=\"vfb-control-label\"> <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-2324-0\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-2324\" required=\"required\" type=\"checkbox\" name=\"vfb-field-2324[0]\" value=\"1\"><small>Ich akzeptiere die <a href=\"https:\/\/onezone.ch\/datenschutz\/\">Datenschutzbestimmungen<\/a>*<\/small><\/label><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-submit\" id=\"vfbField2153\"><button id=\"vfb-field-2153\" class=\" btn btn-primary\" placeholder=\"\" type=\"submit\" name=\"_vfb-submit\">Senden<\/button><\/div><div class=\"vfb-clearfix\"><\/div><\/form>\t\t<\/div>\r\n\t  \r\n\r\n\t<\/div>\r\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[118],"tags":[126,127],"class_list":["post-15476","post","type-post","status-publish","format-standard","hentry","category-precauzione","tag-assicurazione-sulla-vita","tag-banca-o-assicurazione"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.6 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Banca o assicurazione: costi, vantaggi e svantaggi<\/title>\n<meta name=\"description\" content=\"Il costo dell&#039;assicurazione sulla vita \u00e8 spesso un argomento di conversazione scottante. Cosa conviene davvero e dove \u00e8 meglio: in banca o in assicurazione?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Valori di riscatto e valori di conversione nelle assicurazioni sulla vita\" \/>\n<meta property=\"og:description\" content=\"Versicherungs App - All Deine Versicherungen in einer App - Digital und Pers\u00f6nlich - Dein Berater ist immer mit dabei...! Einfach, aufger\u00e4umt und flexibel - kostenlos!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/\" \/>\n<meta property=\"og:site_name\" content=\"Versicherungs app - digitaler Versicherungsbroker Schweiz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/onezone.ch\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-02T15:22:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-16T14:45:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/09\/fb-bild-oneZone.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1640\" \/>\n\t<meta property=\"og:image:height\" content=\"924\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"oneZone\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scritto da\" \/>\n\t<meta name=\"twitter:data1\" content=\"oneZone\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/\"},\"author\":{\"name\":\"oneZone\",\"@id\":\"https:\/\/onezone.ch\/it\/#\/schema\/person\/eb97a9a23ecf345749fa2ceaa4e44a0b\"},\"headline\":\"Valori di riscatto e valori di conversione nelle assicurazioni sulla vita\",\"datePublished\":\"2023-11-02T15:22:14+00:00\",\"dateModified\":\"2025-01-16T14:45:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/\"},\"wordCount\":11,\"publisher\":{\"@id\":\"https:\/\/onezone.ch\/it\/#organization\"},\"keywords\":[\"assicurazione sulla vita\",\"banca o assicurazione\"],\"articleSection\":[\"Precauzione\"],\"inLanguage\":\"it-IT\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/\",\"url\":\"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/\",\"name\":\"Banca o assicurazione: costi, vantaggi e svantaggi\",\"isPartOf\":{\"@id\":\"https:\/\/onezone.ch\/it\/#website\"},\"datePublished\":\"2023-11-02T15:22:14+00:00\",\"dateModified\":\"2025-01-16T14:45:50+00:00\",\"description\":\"Il costo dell'assicurazione sulla vita \u00e8 spesso un argomento di conversazione scottante. Cosa conviene davvero e dove \u00e8 meglio: in banca o in assicurazione?\",\"breadcrumb\":{\"@id\":\"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/#breadcrumb\"},\"inLanguage\":\"it-IT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/onezone.ch\/it\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Valori di riscatto e valori di conversione nelle assicurazioni sulla vita\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/onezone.ch\/it\/#website\",\"url\":\"https:\/\/onezone.ch\/it\/\",\"name\":\"Versicherungs app - Versicherungsbroker Schweiz\",\"description\":\"versicherungs app, digitaler versicherungsmakler schweiz, autoversicherung, lebensversicherung, s\u00e4ule 3a, rechtsschutzversicherung, krankenkasse, reiseversicherung, mietkautionsversicherung, tierversicherung, hausratversicherung, privathaftpflicht versicherung, versicherungsbroker\",\"publisher\":{\"@id\":\"https:\/\/onezone.ch\/it\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/onezone.ch\/it\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"it-IT\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/onezone.ch\/it\/#organization\",\"name\":\"oneZone Versicherung Schweiz\",\"url\":\"https:\/\/onezone.ch\/it\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\/\/onezone.ch\/it\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-logo-pos-RGB.svg\",\"contentUrl\":\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-logo-pos-RGB.svg\",\"width\":1,\"height\":1,\"caption\":\"oneZone Versicherung Schweiz\"},\"image\":{\"@id\":\"https:\/\/onezone.ch\/it\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/onezone.ch\/\",\"https:\/\/www.instagram.com\/oneZone.ch\/\",\"https:\/\/www.youtube.com\/channel\/UCkADqFvOChofZlL-UkA85mg\/featured\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/onezone.ch\/it\/#\/schema\/person\/eb97a9a23ecf345749fa2ceaa4e44a0b\",\"name\":\"oneZone\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\/\/onezone.ch\/it\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/4b6c00526539e6dd6e3dbcc3353f92c895868def50f90e1317a1bb7420fe8b74?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/4b6c00526539e6dd6e3dbcc3353f92c895868def50f90e1317a1bb7420fe8b74?s=96&d=mm&r=g\",\"caption\":\"oneZone\"},\"sameAs\":[\"https:\/\/onezone.ch\"],\"gender\":\"m\u00e4nnlich\",\"knowsLanguage\":[\"Deutsch\",\"Italienisch\",\"Englisch\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Banca o assicurazione: costi, vantaggi e svantaggi","description":"Il costo dell'assicurazione sulla vita \u00e8 spesso un argomento di conversazione scottante. Cosa conviene davvero e dove \u00e8 meglio: in banca o in assicurazione?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/","og_locale":"it_IT","og_type":"article","og_title":"Valori di riscatto e valori di conversione nelle assicurazioni sulla vita","og_description":"Versicherungs App - All Deine Versicherungen in einer App - Digital und Pers\u00f6nlich - Dein Berater ist immer mit dabei...! Einfach, aufger\u00e4umt und flexibel - kostenlos!","og_url":"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/","og_site_name":"Versicherungs app - digitaler Versicherungsbroker Schweiz","article_publisher":"https:\/\/www.facebook.com\/onezone.ch\/","article_published_time":"2023-11-02T15:22:14+00:00","article_modified_time":"2025-01-16T14:45:50+00:00","og_image":[{"width":1640,"height":924,"url":"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/09\/fb-bild-oneZone.png","type":"image\/png"}],"author":"oneZone","twitter_card":"summary_large_image","twitter_misc":{"Scritto da":"oneZone"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/#article","isPartOf":{"@id":"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/"},"author":{"name":"oneZone","@id":"https:\/\/onezone.ch\/it\/#\/schema\/person\/eb97a9a23ecf345749fa2ceaa4e44a0b"},"headline":"Valori di riscatto e valori di conversione nelle assicurazioni sulla vita","datePublished":"2023-11-02T15:22:14+00:00","dateModified":"2025-01-16T14:45:50+00:00","mainEntityOfPage":{"@id":"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/"},"wordCount":11,"publisher":{"@id":"https:\/\/onezone.ch\/it\/#organization"},"keywords":["assicurazione sulla vita","banca o assicurazione"],"articleSection":["Precauzione"],"inLanguage":"it-IT"},{"@type":"WebPage","@id":"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/","url":"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/","name":"Banca o assicurazione: costi, vantaggi e svantaggi","isPartOf":{"@id":"https:\/\/onezone.ch\/it\/#website"},"datePublished":"2023-11-02T15:22:14+00:00","dateModified":"2025-01-16T14:45:50+00:00","description":"Il costo dell'assicurazione sulla vita \u00e8 spesso un argomento di conversazione scottante. Cosa conviene davvero e dove \u00e8 meglio: in banca o in assicurazione?","breadcrumb":{"@id":"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/#breadcrumb"},"inLanguage":"it-IT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/onezone.ch\/it\/valori-di-riscatto-e-valori-di-conversione-nelle-assicurazioni-sulla-vita\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/onezone.ch\/it\/"},{"@type":"ListItem","position":2,"name":"Valori di riscatto e valori di conversione nelle assicurazioni sulla vita"}]},{"@type":"WebSite","@id":"https:\/\/onezone.ch\/it\/#website","url":"https:\/\/onezone.ch\/it\/","name":"Versicherungs app - Versicherungsbroker Schweiz","description":"versicherungs app, digitaler versicherungsmakler schweiz, autoversicherung, lebensversicherung, s\u00e4ule 3a, rechtsschutzversicherung, krankenkasse, reiseversicherung, mietkautionsversicherung, tierversicherung, hausratversicherung, privathaftpflicht versicherung, versicherungsbroker","publisher":{"@id":"https:\/\/onezone.ch\/it\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/onezone.ch\/it\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"it-IT"},{"@type":"Organization","@id":"https:\/\/onezone.ch\/it\/#organization","name":"oneZone Versicherung Schweiz","url":"https:\/\/onezone.ch\/it\/","logo":{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/onezone.ch\/it\/#\/schema\/logo\/image\/","url":"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-logo-pos-RGB.svg","contentUrl":"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-logo-pos-RGB.svg","width":1,"height":1,"caption":"oneZone Versicherung Schweiz"},"image":{"@id":"https:\/\/onezone.ch\/it\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/onezone.ch\/","https:\/\/www.instagram.com\/oneZone.ch\/","https:\/\/www.youtube.com\/channel\/UCkADqFvOChofZlL-UkA85mg\/featured"]},{"@type":"Person","@id":"https:\/\/onezone.ch\/it\/#\/schema\/person\/eb97a9a23ecf345749fa2ceaa4e44a0b","name":"oneZone","image":{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/onezone.ch\/it\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/4b6c00526539e6dd6e3dbcc3353f92c895868def50f90e1317a1bb7420fe8b74?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4b6c00526539e6dd6e3dbcc3353f92c895868def50f90e1317a1bb7420fe8b74?s=96&d=mm&r=g","caption":"oneZone"},"sameAs":["https:\/\/onezone.ch"],"gender":"m\u00e4nnlich","knowsLanguage":["Deutsch","Italienisch","Englisch"]}]}},"_links":{"self":[{"href":"https:\/\/onezone.ch\/it\/wp-json\/wp\/v2\/posts\/15476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/onezone.ch\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/onezone.ch\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/onezone.ch\/it\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/onezone.ch\/it\/wp-json\/wp\/v2\/comments?post=15476"}],"version-history":[{"count":24,"href":"https:\/\/onezone.ch\/it\/wp-json\/wp\/v2\/posts\/15476\/revisions"}],"predecessor-version":[{"id":17387,"href":"https:\/\/onezone.ch\/it\/wp-json\/wp\/v2\/posts\/15476\/revisions\/17387"}],"wp:attachment":[{"href":"https:\/\/onezone.ch\/it\/wp-json\/wp\/v2\/media?parent=15476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/onezone.ch\/it\/wp-json\/wp\/v2\/categories?post=15476"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/onezone.ch\/it\/wp-json\/wp\/v2\/tags?post=15476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}