Protect my family

If an income disappears, your loved ones must still be able to live, pay for housing and carry out plans. Finwise helps you prioritise death, disability, health and pension cover.

What is it?

Secure the household if an income is missing

Protect spouse, partner or children against death, disability and time off work, and coordinate health, home and pension cover.

Mandatory?

No for death capital, yes for the base

LAMal, OASI and often LAA/occupational pension exist. But they do not always replace income, the mortgage or a partner’s protection.

Key point

Calculate the gap, not a random amount

Debts, income to replace, children’s plans, minus OASI/occupational pension benefits: that is the basis of a fair capital sum.

Priorities for protecting your family

First secure dependents’ income, then health and housing.

  1. Next 3a and coordination AHV/LPP/3a beneficiaries aligned
  2. Critical Death and disability Maintain living standard
  3. Home Health and housing LAMal, household, liability
  4. Base Household costs Mortgage, children, budget

Calculate the gap; do not pick a sum at random.

Where to start to protect your family

Good family protection does not start by stacking policies. It starts with three questions: who depends on your income, which costs remain if that income disappears, and what OASI, occupational pension, employer and existing contracts already pay.

Ensuite seulement, on compare assurance décès, incapacité de gain, santé des enfants, logement et éventuelle assurance vie. L’ordre compte : un foyer sans liquidités en cas de coup dur ne peut pas compter uniquement sur l’épargne retraite.

Priority
What it secures
To check
DeathCapital / pensions
Loved ones’ living standard, mortgage, children’s education, maintenance payments or business partner.
Beneficiaries, 3a/3b, partner, OASI/occupational pension already provided.
Income / disabilityContinuity
Maintaining living standards if illness or accident prevents working for a long time.
LAA, salary continuation, DI, waiting period, occupational pension ceiling.
Everyday familyBase
LAMal for children, household contents, private liability, vehicle, legal covers useful to the household.
Children’s enrolment, deductible, lease certificate, duplicates.

The logic of coherent family protection

Debts + Income to replace + Children’s plans - OASI / occupational pension

The right amount creates the necessary liquidity, without paying a disproportionate premium.

OASI and occupational pension are not always enough

OASI can pay survivors’ pensions to widows, widowers and orphans under conditions. Occupational pension can complement with a spouse, registered partner or orphan’s pension, according to the law and the fund’s regulations.

For unmarried partners, protection often depends on the occupational pension regulations, correct partner notification and sometimes proof of cohabitation. High income, large mortgage, unmarried family or self-employment frequently leave a gap to fill in 3a or 3b.

Young family / children

Priority to death capital, disability income and LAMal for children. The mortgage and years of education weigh heavily in the calculation.

Cohabitation

Do not rely only on OASI/occupational pension. Check 3a/3b beneficiaries, partner notification to the fund and written clauses.

Homeowners

A decreasing capital can follow the mortgage. Also check that remaining income still allows living in the home.

Single income

Dependency is maximal. Death and disability come before pure 3a tax optimisation.

Common pitfalls

Effective family protection rests on the right people, the right amount and good coordination between contracts.

Capital too lowIt repays a debt, but does not replace the missing income.
Forgotten partnerWithout a clause or correct notification, the partner may remain poorly protected.
Neglected disabilityA long work stoppage often costs the household more than a death that looks “well insured” on paper.
Outdated beneficiariesDivorce, birth or a new property purchase require an update.

You already have cover: what should you check?

Vérifiez capital décès, durée, bénéficiaires, fiscalité 3a/3b, mise en gage hypothécaire, couverture invalidité, maintien de salaire, LPP et LAMal des enfants. Adaptez après naissance, mariage, concubinage, divorce, achat immobilier ou changement de revenu. Coordonnez aussi avec garantir mes revenus et préparer ma retraite.

With Finwise

We build protection around your household

We calculate the real gap, compare death, disability, 3a/3b, occupational pension and everyday needs. The aim is understandable protection, useful at the critical moment, without paying for redundant covers.

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Complete the protection of your family

These pages detail the covers that most often secure loved ones, income and home.

Death insurance Disability income Protect my income Home and belongings

Protect my family View death insurance View disability income

Let’s talk about your needs

Tell us about your situation in a few lines. A Finwise adviser will contact you to clarify your options and compare suitable solutions.