Protect your family and your property wealth, without overpaying.
In Switzerland, unmarried couples have the weakest legal protection. Secure your household's future with a tailored, effective protection strategy.
First meeting with no obligation · Independent FINMA-regulated advice
Why is this critical for unmarried couples?
AVS / LPP risks
Unlike married couples, the surviving partner often has no automatic entitlement to AVS widow's or widower's pensions, putting the family budget at risk.
Staying in your home
Without suitable coverage, the loss of one income can force the sale of the property under unfavourable market conditions.
Why is protection essential?
The gap between perceived risk and legal reality in Switzerland.
“We'll sort it out later…”
A jeopardised mortgage repayment is the leading cause of property loss after death or disability among unmarried partners.
The Swiss reality
Inheritance and social security law is built around marriage. Outside marriage, protection must be contractual and private.
The cost is small, the protection is immense
Did you know that CHF 500,000 of coverage can cost less than a monthly mobile phone plan? I select the best solutions on the Swiss market for you.
Indicative, depending on your profile: personalised simulation with no obligation. It is one of the best value-for-money protections on the Swiss market.
Which protections should you include?
My approach rests on the 4 pillars of family security.
Death coverage
A lump sum released immediately to repay all or part of the mortgage debt.
Disability coverage
Maintain your standard of living even if you can no longer work.
Incapacity annuities
A regular income paid out to cover the property's fixed costs.
Partner protection
A specific beneficiary clause to guarantee the capital goes directly to your partner.
Frequently asked questions
Can the 3rd pillar be used for this protection?
Yes, it is often even the most tax-efficient solution. The 3rd pillar (3a or 3b) lets you combine savings and protection while deducting the premiums from your taxes.
Is your advice truly independent?
Absolutely. As an independent advisor operating under FINMA regulation, I compare all insurance companies in Switzerland to offer you the most competitive solution, best suited to your specific situation.
What happens if we get married later?
Your contract is flexible. We can adjust the beneficiary clauses or coverage amounts to reflect your new legal status without losing the benefits already acquired.
We are an unmarried couple: what happens in the event of death?
Without protection, your partner does not inherit automatically and may lose the home. Suitable coverage solves this problem.
How much should I insure?
There is no standard amount: I analyse your situation, your LPP / disability insurance, your expenses and goals to size the protection without over-insuring.
Need a personalised analysis?
I help you structure your property protection: the first meeting is free.