| What do you stand to gain? |
| An annuity insurance policy offers you the following advantages: |
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maintaining your previous standard of living |
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regular and adequate income for life |
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guaranteed income for a married couple or single person. |
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| The insured person |
| You may choose between two types of insurance: |
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on one life |
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on two lives, with the possibility of a partial reduction of the annuity upon the first death. |
Different types of annuity insurance |
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| Immediate annuity insurance policy |
This annuity is financed with a one-off payment (single premium payment) and is paid out to the insured person for life.
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| Deferred annuity insurance policy |
This annuity is financed either by means of a single premium payment or periodic premium payments. After the period of deferment (time frame agreed between the commencement of the insurance policy and the first annuity payments), the annuity is paid until the death of the insured person.
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| Surplus participation |
From the commencement of your policy, your insurance participates in any Company surplus. Such surplus participation is paid out at the same time as the annuity. During the period of deferment, surplus participation is deposited in an interest-bearing account in your name. You can decide whether you wish this amount to be paid out to you at the end of the period of deferment or to go towards increasing your annuity payments. Surplus participation, which depends on the Company's financial results, cannot be guaranteed.
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| Flexibility |
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The annuity is payable monthly, quarterly, half-yearly or annually. |
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At the commencement of your policy, you determine the date from which you wish to start receiving your annuity payments.
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You yourself determine the amount to be invested as well as the type of premium payment (single premium payment or periodic premium payments). |
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| Types of annuity |
| You may choose from the following possibilities: |
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immediate annuity payments |
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deferred annuity payments |
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annuity with premium refund in the event of death |
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annuity without premium refund in the event of death |
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policy with guaranteed annuities |
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on one life |
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on two lives |
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annuity in Swiss francs, Euros or US dollars. |
