With our pension fund regulations 2023, we are introducing an innovation that is unique throughout Switzerland as of 1 January 2023: The complete separation of savings and risk in survivors’ benefits for active insured persons.

The advantage for insured persons: Improved benefits upon death

In the event of the death of the insured person before ordinary retirement, the beneficiary receives, in addition to the usual survivors’ benefits (possible in lump-sum (current value) and/or annuity form), the entire current individual retirement assets as a lump sum payable at death. Accordingly this also includes all purchases made with Profond or with previous funds. Furthermore, the pension plan may provide for an additional lump sum payable at death.

The innovation automatically enters into force with the new pension fund regulations. Insured persons and affiliations need not do anything else to benefit.

We are convinced that we are creating added value for our insured persons with this unique innovation in the market.

Our new pension fund regulations 2023 as well as the explanations with the changes to the previous year and the explanatory comments can be found here.