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UBS Fiscalife
Retirement planning – save on taxes – cover risks
UBS Fiscalife combines the tax-privileged securities savings and risk insurance. You can protect yourself and your family from risks:
Death and Disability cover (accident or illness)
Term life cover (accident or illness)
When concluding the contract, you define a savings target that you want to achieve upon reaching AHV retirement age. The amount of the sum insured equals your savings target. There are ten savings targets to choose from, ranging from CHF 25,000 to CHF 250,000 in increments of CHF 25,000. Your annual contribution is calculated on the basis of this target. Part of the annual contribution is used as an insurance premium, while the savings component is always invested in UBS Vitainvest securities investments.
UBS Fiscalife death cover: you can choose a sum insured that is twice your savings target.
In the event of death of disability before reaching AHV retirement age, the savings target (sum insured) that was specified when you opened the account will be paid out as a lump sum. On reaching AHV retirement age, the current value of the securities investments will be paid out.
Advantages
Flexible:
Insurance cover may be terminated at any time with no financial consequences (no loss of surrender value)
Investment strategy may be altered at any time and assets may be switched between the different UBS Vitainvest securities investments
Free choice of payment date at any time during the year
Comprehensive:
Insurance cover in the event of death and disability (as a result of accident or illness)
Transparent:
Savings component and insurance premium are shown separately on the statement of benefits which is issued each year
Value for money:
No charges when you take out the insurance and no costs on termination
No costs for switching between securities
Important legal information - please read the disclaimer before proceeding.
Products and services in these webpages are not available for US persons, for the exclusion of residents of other nations see the disclaimers relating to the actual services.
© UBS 1998-2008. All rights reserved.
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