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.
Insurance benefit
Benefits on survival (on maturity of the policy)
You or the beneficiaries receive the value of your deposit account.
Benefits on death
The beneficiaries receive the value of your units in the deposit account and the guaranteed defined death benefit
Your advantages
Death benefits 1 % – 500 % free choice
Investment freedom free choice of investment strategy and instruments**
Free choice of custodian bank and asset manager**
Guaranteed death benefit if agreed
policy loan possible
Flexible and tailor-made estate planning
Various income and inheritance tax benefits (depending on local law)
Choice of beneficiaries is free and flexible
Financing
Single Premium
What's Private Insuring**
Private Insuring is a concept which intelligently and professionally combines the services of Private Banking and its asset management with the advantages of a life insurance policy.
You determine your own investment strategy and the structure of your portfolio.
Privat insuring offers you insurance coverage, the Advantages from the Liechtensteiner Life insuring and the opportunity to benefit from growth in the financial markets.
** Because of the different legal and fiscal systems in various countries, we offer alternative Private Insuring solutions taking into account the specifics of the countries.