Capital accumulation with convertible savings insurance
11.07.2025
Convertible savings insurance from our partner die Mobiliar is a modern solution for your third pillar. It combines transparency, flexibility and capital accumulation – and can be adapted to your current situation at any time, free of charge. Use this smart retirement solution to accumulate capital for your future or buy your own home.
Two investment modules for your individual strategy
With convertible savings insurance, you invest your savings premiums in two components:
- Capital guarantee: a security-oriented portion protects your contributions.
- Attractive fund investments: the second module opens up potential returns by investing in broadly diversified investment funds.
This creates your personal investment strategy – balanced, individual and forward-looking.
You determine your retirement goals
- Focussed on stability? Then choose a profile with 100% capital guarantee for maximum security.
- Focussed on returns? With an opportunity-oriented profile, you benefit from the growth of the financial markets.
- Looking to invest sustainably? Mobiliar offers sustainable funds that consider environmental and social criteria.
Maximum flexibility if things change
If your situation changes, your retirement plan adapts:
- Adjust your premiums and risk profile at any time, free of charge
- Early redemption of your savings capital is possible
- High redemption values guaranteed
Clear premium structure for total cost control
All the components of your premium are clearly broken down:
- Savings component
- Risk premium
- Administrative costs
This allows you to maintain an overview at all times and plan effectively.
Additional protection for you and your family
- Death benefit: in the worst-case scenario, your family will receive your accumulated savings plus a guaranteed additional benefit.
- Premium waiver in the event of disability: in the event of illness or accident, Mobiliar will cover your premiums and your pension provision will continue.