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Term Life Insurance: Protect your family financially
Pure risk cover from CHF 20–50/month for CHF 500k — ideal for families and mortgages.
Key Facts
Quick Answers
What is term life insurance?
Pays a fixed sum to your beneficiaries if you die during the term. Pure protection, no savings.
How high should the sum be?
3–10× income; for mortgages: mortgage balance + 3–5 years living costs.
How much does it cost?
Depends on age, health, sum, term. Example: CHF 30–60/month for CHF 500k, 20 years, age 35 non‑smoker.
Who needs it?
Families with kids, mortgage holders, single earners, self‑employed partners.
Calculate the right sum
- Income multiple: 5–10× annual income
- Needs analysis: debts + living costs
- Capital value method for precision
Cost factors
- Age and health (medical underwriting)
- Smoking (+50–100%)
- Occupation & hobbies (risk classes)
- Sum insured and term length
Term life vs capital insurance
- Purpose: pure protection vs. protection + saving
- Cost: low vs. high
- Flexibility: high vs. low
- Recommendation: protection first, invest separately
Top Providers (CH)
AXA · Zurich · Swiss Life · Helvetia · Generali
Calculate your protection now
Free needs analysis and independent comparison of all major providers.
Key Takeaways
Term life: low cost, high cover. Choose 3–10× income (add mortgage), 5–30 year term. Price driven by age, health, smoking, sum and term. Best for families and mortgages; keep saving separate for better flexibility and cost.