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Individual Provision
Individual Provision - The Provision Approach
The significance of individual provision!
The provision concept in Switzerland is based on a three-tiered approach namely state, professional and individual provision. This should ensure an adequate income in the case of an incapacity to work, premature death of a partner and on retirement from active working life.
As the benefits from the state provision are capped and only minimum regulations exist for professional provision, substantial provision gaps could occur for those on medium and high incomes that have to be closed individually.
The progressive ageing of the population is leading to a situation where fewer and fewer employed people are having to pay for more and more pensioners. The financing of the 1st tier (AHV) (old age pension and dependants insurance) therefore has to be questioned over the long term. A substantial improvement in the legally-guaranteed minimum level of benefits can therefore not be relied upon.
Provision according to your needs! The different products of the insurance companies are particularly well suited for the development of a solid personal provision. Ideally they are a combination of systematic savings policies, a reasonable level of insurance protection and the highest level of investment security.
One of the Versicherungs Analysen Laube GmbH provision advisors will be pleased to provide you with in-depth advice!
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