What is whole life insurance?

Whole life insurance is a form of term life insurance and is thus part of the more general category of life insurance. Term life insurance offers financial protection for your family or relatives in the event of unexpected death.

Often, spouses, children or even business partners are financially dependent on one person. To ensure that your relatives or partner do not get into financial difficulties in the event of your death, you can take out a whole life insurance policy. Should sudden death occur (e.g. as a result of an accident), the persons of your choice will be paid the sum agreed when you took out the policy.

Good to know

  • Whole life insurance is only paid out in the event of death.
  • Free choice of beneficiary (family, children, partner or business partner).
  • The sum insured under a whole life insurance policy can also be freely determined.
  • Ideal protection for existing mortgages and loans.

Compare the best offers


From CHF


/ month *
PREVISTA Compact whole life insurance

With Generali, you can obtain whole life insurance for CHF 332.20/year.

  • Lump-sum death benefit: CHF 200,000
  • Term: 20 years

The sum insured and the term can be adjusted individually.


From CHF


/ month *
Zurich term life insurance

You can obtain term life insurance from Zurich Insurance for as little as CHF 41.00.

  • Lump-sum death benefit: CHF 200,000
  • Term: 20 years
  • Fixed premium


  • Premium waiver in the event of disability.

* Calculation: male, aged 37, non-smoker and in good health.

Advice from an expert - free of charge & without obligation.


Advantages of term life insurance

Whole life insurance offers various advantages:

  • Low premiums
  • High sum insured
  • Financial protection for the person of your choice
  • Protection against mortgages and debts
  • Straightforward and quick payout

Comparison of whole life insurance products

There is a wide range of whole life insurance providers in Switzerland. Differences can be found in the monthly premiums, the sums insured and the additional options that can be selected. Compare not only the premiums, but also the benefits of the respective insurance policies.


If you want to provide financial security for your family or other persons after your death. The capital is only paid out in the event of your death.

If you take out Pillar 3a whole life insurance as a fixed pension plan, you can benefit from tax advantages on the capital paid in up to a certain maximum amount.

As a non-smoker, your premiums will definitely be lower, as the risk of death is also much lower.

Term life insurance should only have a limited term. Before taking out a term life insurance policy, think about the period of time over which you would like to provide financial protection for your family or partner.