UBS Fiscalife combines the tax-privileged retirement 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 investment funds.

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 investment funds will be paid out.

Flexible:

• Insurance cover may be terminated at any time with effect from the end of a calendar year 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 investment funds

• Free choice of payment date at any time during the year

Comprehensive:

Transparent:

Value for money:

• No charges when you take out the insurance and no costs on termination

• No costs for switching between funds