Your life insurance benefits
The security of the Euro Fund
The invested amount is adjusted every year and interest is secured through a ratchet effect.
Life insurance policies can offer (gross) guarantee and contingency options to protect the capital about to be transferred from fluctuations in financial markets.
Financial diversification
Policies offer access to open-architecture financial products that allow you to:
- invest in the best-performing funds in their category (based on past performance, which is not a reliable indicator or guarantee of future performance)
- diversify your investments in a way that’s optimal for you
- benefit from the expertise of the best fund managers in the market.
- invest in the best-performing funds in their category (based on past performance, which is not a reliable indicator or guarantee of future performance)
Flexible policy management
Several options to adapt the policy to your management objectives: free, advised or discretionary. Payment flexibility: free or scheduled payments with a defined amount and frequency. Life insurance policies can be switched between various investment products at any time.
Liquidity
Savings are available at any time through partial or total redemptions or loan requests.
How life insurance works
Over the long term, life insurance allows you to build up or increase your capital to finance projects and protect your loved ones. Annual gains are capitalized, and the profit resulting from the management of your portfolio does not generate taxable capital gains. In case of redemption, only the accrued interest is taxed.
Life insurance is a convenient way of passing on wealth: beneficiaries are freely designated and may be different to compulsory heirs, while the tax treatment of death benefits is favorable.
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Your capital is at risk. The value of an investment may fall as well as rise and you may not get back the original amount.
UBS does not provide tax or legal advice. You should consult your independent tax/legal advisor for specific advice before entering into or refraining from entering into any services or investments.
