Insurance

Make sure you're covered for the worst case scenario with the right level of insurance for your lifestyle. 

Our advisors can help you get the best deal on the cover you need, including:

Life Insurance

If the unthinkable happens, do you have a plan in place to ensure your loved ones are taken care of? 

If not, it might be time to think about the financial implications an untimely death can bring about: 

How much will be needed at the time of death to meet immediate obligations: mortgage repayments, debts, leases, education costs, medical bills, and funeral costs?

How much future income is needed to sustain the household - new/additional care costs, normal monthly costs, and ongoing repayments?

If the worst happened, where would my partner and family go? (How would location, and family support, affect the amount of ongoing income required?)

If you already have life insurance, it's essential to make sure you're still covered if you leave the country; many insurers will not allow cover for non-residents. You will also lose employer insurance benefits when you leave employment.

At IWP, we work with a number of Swiss and international insurers who provide truly worldwide cover, giving you peace of mind no matter where you go. 

Example life insurance calculation:

CHF 3,000/month = Current outgoings

CHF 2,000/month = Additional care costs in case of your death

CHF 5,000/month = Total outgoings post-death

Your youngest child is 8 years old, and you would like to have decreasing cover until they are 18 years old.

= CHF 5,000/month x 12 months = 60,000/year x 10 Years = CHF 600,000, decreasing by CHF 60,000 per year.