Health and accident
Basic insurance, supplementary cover, accident insurance: the foundation of your security, optimised every autumn.
Insurance and pensions
Well covered. Never too much, never too little.
Being well covered today and preparing for tomorrow: your insurance and your three pillars, thought through together.
Your insurance fileReviewed
Health and supplementaryOptimised
Liability and householdCovered
Loss of earnings and disabilityCovered
Legal protectionGap detected
Pillar 3a 2026CHF 5'800 / 7'258
Our domains
All your cover, under one roof.
From health insurance to legal protection, we keep the whole picture coherent: no gaps, no overlaps.
Liability and household
Personal liability and household contents: the everyday essentials, adjusted to your home.
Legal protection
Employment, tenancy or traffic disputes: legal support so costs never decide in your place.
Loss of earnings
Keeping your income in case of illness or accident: the most underestimated cover for the self-employed.
Vehicles
Partial or full casco, protected bonus: the right cover for your vehicle and how you actually use it.
Travel and more
Cancellation, assistance, valuables: the useful extras, without the superfluous ones.
Our role
Before you sign, and above all after.
A broker is not just there to compare premiums. We remain your contact when a claim needs filing, a decision needs challenging or cover needs adjusting after a life change. You are never alone in front of your insurer again.
One single contact for all your contracts
Full support in the event of a claim
Annual review of your health premiums
How we work
Four steps to the right cover.
1
Analyse
We review your current policies and identify overlaps, gaps and excessive premiums.
2
Compare
We consult our partner companies and put their offers in competition.
3
Solutions
We put the chosen solution in place: cancellations, deadlines and paperwork, you sign, we do the rest.
4
Review together
Every year, we take stock together: your cover keeps pace with your life and the market.
The Swiss system
Three pillars, a balance to build.
Each pillar has a precise role. It is their combination, tailored to your situation, that makes a pension solid.
01
AHV / IV
State pension
It covers the essential minimum. For most households it replaces roughly a third of the last income: indispensable, but not enough on its own.
02
BVG / LPP
Occupational pension
Your pension fund tops up the state pension. Buy-ins, plan choices, capital or annuity: high-impact decisions that are often neglected.
03
Pillars 3a and 3b
Private pension
The part you fully control: tax-privileged savings, insurance or securities. This is where your room for manoeuvre is greatest.
The right moments to act
Every stage of life changes the picture.
First job
Start early: every year counts thanks to compound interest.
Couple and family
Protect your partner and children against the unexpected, review your beneficiaries.
Buying property
Use pillar 2 and 3 assets as equity, without weakening your retirement.
Self-employment
Offset the absence of mandatory occupational pension with a stronger 3a strategy.
Approaching retirement
Plan annuity or capital, stagger withdrawals, optimise taxes.
Gap analysis
Do you know what you would receive tomorrow?
In the event of disability, death or simply at retirement, three-pillar benefits vary greatly from one situation to another. Our analysis puts a precise figure on what you would receive today, and what would be missing.
Projection of your future pensions: AHV, BVG, pillar 3
Quantified gaps in case of disability or death
A concrete action plan, prioritised to your budget
Tax optimisation of 3a contributions and pension buy-ins
Retirement planning
The last ten years are decisive.
Between 55 and 65, every choice carries weight: pension buy-ins, staggering 3a withdrawals, annuity or capital, early retirement. We build a precise timetable with you to approach this milestone with confidence.
Pillar 3a simulator
How much will you have at retirement?
Estimate your pillar 3a capital based on your contributions and the duration.
Capital at retirement
CHF 195'025
Total contributedCHF 145'160
Return generatedCHF 49'865
Indicative estimate, with no contractual value. The precise calculation is made with an advisor.
Refine with an advisorFrequently asked questions
Your questions, our answers.
Pillar 3a is tax-deductible but tied: funds are in principle locked until retirement. Pillar 3b is flexible, without a ceiling, with other advantages depending on the canton. The right answer depends on your goals and your tax situation.
Services
The services in this area
Everything that matters, gathered here. Expand a service to learn more.
Basic insurance covers the same benefits everywhere: only the premium changes. Supplementary cover is where the real differences lie: complementary medicine, glasses, fitness, semi-private or private hospitalisation. We build a coherent whole, without overlaps with your other policies.
Basic insurancePremium, deductible and model (family doctor, HMO, telemedicine) adjusted to your real usage.
Supplementary careComplementary medicine, prevention, glasses, abroad: useful only if they match your life.
HospitalisationGeneral, semi-private or private: free choice of doctor and comfort, to secure while health allows.
FamilyChild discounts, maternity and orthodontics cover: the right choices before a child arrives.
Services
The services in this area
Everything that matters, gathered here. Expand a service to learn more.
Bank or insurance pillar 3a, flexible pillar 3b, savings in cash or in securities: each solution has its strengths. We combine them around your horizon, your budget and your family situation, without ever locking up what you might need tomorrow.
Pillar 3aA tax deduction every year, capital for retirement or home ownership.
Pillar 3bFlexible savings, no ceiling, the natural complement to 3a.
Savings in securitiesAdding return to long-term savings, matched to your risk profile.
Built-in protectionProtecting the family and keeping savings on track if life takes a turn.
A first meeting, no strings attachedAn insurance portfolio you can finally read.
Bring your current policies: we analyse them free of charge and tell you exactly where you stand.+41 32 525 50 40