Life insurance products
Privat Insuring
Privat insuring, a concept which combines private banking and investment management services with the sophisticated use of life assurance as a financial planning structure to achieve fiscal advantages and security for wealthy investors and their families.
Fund linked life insurance
A combined endowment insurance plan permits targeted, tax-efficient wealth accumulation with the aim of securing your standard of living after retirement or achieving a long-term savings goal. Moreover, it offers financial security for your family or other persons to whom you are particularly close should you die or become disabled. You have the choice between retirement life-long pension, lump payment or a combination of both.
Classic combined life insurance
Classic combined life insurance may be considered as the classic form of life insurance . The endowment insurance guarantees benefits not only in the event of death, but also where the insured person is still alive at the term of the contract. In addition to the guaranteed benefit, a share of surpluses is paid out; this share of surplus is dependent on the performance of the insurance company and on costs and risk trends. In the event of death, the insured benefit is immediately paid to the beneficiaries.
Fund linked life insurance
Benefits on survival (on maturity of the policy)
You or the beneficiaries receive the value of the funds deposit account.
Benefits on death
The beneficiaries receive
Variant 1
the guaranteed defined death benefit or the value of the funds deposit account (for the case that the fund assets the insured sum exceeds).
Variant 2
the value of the funds deposit account and the guaranteed defined death benefit
Variant 3
the value of the funds deposit account
Your advantages
Death benefits 1 % – 500 % free choice
Free choice of investment strategy and funds
Free choice of custodian bank and asset manager
Guaranteed death benefit if agreed
policy loan possible (single premium)
Flexible and tailor-made estate planning
Choice of beneficiaries is free and flexible
Premium payment
Single Premium
Fund linked life insurance
The Fund-linked life insurance is a life insurance product with or without a guaranteed death benefit.
You determine your own investment strategy and the structure of your fund portfolio.
Liechtensteiner fund-linked life insurance offers you both insurance coverage and the opportunity to benefit from growth in the financial markets.