Discover everything you need to know about the third pillar and private pension: truly understand how it works and make informed decisions.
# | Company | 2024 Return | Features | Rating | ||
---|---|---|---|---|---|---|
2 | Best Insurance Companies of 2025 |
Helvetia Premium Pension |
28.19% |
|
Rating4.85/5 |
|
Helvetia
Information
Founded in 1858 in St. Gallen, Helvetia is one of Switzerland's most historic and well-established insurance companies. Over the years, it has built a solid reputation as a reliable partner for asset protection and pension planning. Today it operates throughout Switzerland and several European countries, offering modern and flexible solutions for both third pillar and life insurance. Helvetia stands out for its ability to combine tradition and innovation, offering adaptable contracts, a strong digital component, and high-quality advisory support. |
||||||
2 | Best Insurance Companies of 2025 |
Swiss Life Dynamic Elements Duo |
20.06% |
|
Rating4.85/5 |
|
Swiss Life
Information
Swiss Life was founded in 1857 under the name "Schweizerische Lebensversicherungs- und Rentenanstalt" and is today the leading group in Switzerland for life insurance and private pensions. Listed on the Zurich Stock Exchange and active in several European countries, Swiss Life is synonymous with financial solidity and expertise in long-term planning. Its third pillar and life insurance solutions are designed to guarantee freedom of choice, tax optimization, and long-term security. Thanks to its long history and network of expert consultants, it's one of the reference points for those looking to build a financially secure future. |
||||||
4 | Best Insurance Companies of 2025 |
Liechtenstein Life Prosperity Duo |
19.11% |
|
Rating4.75/5 |
|
Liechtenstein Life
Information
Liechtenstein Life, part of The Prosperity Company AG group, is a young and dynamic company founded in 2008 in the Principality of Liechtenstein. Although more recent than other insurance giants, it has quickly established itself thanks to its innovative approach: pension solutions completely focused on investment, with extremely flexible contracts. It's the ideal choice for those looking for a modern policy, portable internationally and focused on performance. |
||||||
5 | Best Insurance Companies of 2025 |
Generali Flex Pension |
13.60% |
|
Rating4.75/5 |
|
Generali
Information
Generali is one of the oldest insurance groups in the world, founded in Trieste in 1831. Today it operates in over 50 countries, with a strong presence in Switzerland where it has been active for over 140 years. Generali Switzerland offers comprehensive and customizable pension solutions, designed to support people through every stage of life. Their life insurance and third pillar products stand out for service quality, coverage reliability, and the opportunity to benefit from long-term advantages and bonuses. All this is supported by an extensive network of competent consultants. |
||||||
2 | Best Insurance Companies of 2025 |
Zurich Zurich Invest |
14.62% |
|
Rating4.75/5 |
|
Zurich
Information
Founded in 1872, Zurich Insurance Group is one of the most well-known insurance companies in the world, headquartered in Zurich itself. For over 150 years, Zurich has been protecting families, self-employed workers, and businesses in more than 200 countries. In Switzerland, Zurich offers comprehensive and cutting-edge pension solutions that combine financial stability, digital technologies, and access to modern investment strategies. Their third pillar policies and life insurance are highly customizable, ideal both for those seeking security and those aiming for capital growth. |
The third pillar is a private savings instrument designed to compensate for the major gaps in state pensions. It's the right way to save, protect your income, and ensure a future for the people you care about. Scroll through this page to find insights and comparisons.
With the third pillar, you can save an average of CHF 2,032 in taxes every year. As a self-employed person, you can save up to CHF 10,160.
The global stock market has returned an average of 9.1% annually, increasing savers' capital by 320% over the last 15 years. With the third pillar, you can find equally valid investment options.
Get greater guarantees for your income and secure a future for your loved ones with tailored insurance benefits.
Relying on the first and second pillars is a risky choice: In fact, these typically cover only about 60% of previous income.
Rent, health insurance, daily expenses: living in Switzerland gets more expensive every year. In Zurich, 500g of bread cost 2.40 CHF in 2020. Today it's 3.10 CHF: +29% in 5 years.
In Switzerland, 1 in 19 people receives disability benefits. With disability, income drops suddenly, and balancing the household budget immediately becomes a concrete problem.
With the third pillar, you can get insurance coverage along with your savings plan. Often, this reduces
the costs of benefits in case of premature death.
Life insurance, on the other hand, offers only
insurance coverage. In this case, no capital is received at maturity (as the premium consists 100% of
costs).
In case of illness or accident, the premium waiver coverage comes into effect. The insurance pays your premium until you return to work. If returning to work isn't possible, the insurance continues paying the premium until maturity, ensuring you receive the necessary capital for your retirement.
3A and 3B have many things in common: the selected product, insurance benefits, investment type and guarantees. However, they differ in the following criteria:
7,258 CHF over 25 years generates 397,542 CHF with interest. Over 30 years, the maturity capital
amounts to 580,449 CHF.
A difference of 182,907 CHF. This growth is possible thanks to
compound interest, which gets reinvested annually in your savings plan.
Every year you
delay starting your Pillar 3A significantly reduces your final capital!
Once your contract is signed, benefit costs remain fixed for the entire duration and you
won't need to worry about future insurance rate increases - which happen frequently.
Additionally, since the contract requires a self-declaration of health status, it's best to
secure your terms while you're still in good health.
Pillar 3A premiums are tax-deductible. An employee can contribute up to 7,258 CHF annually, with average tax savings of 2,032 CHF per year. Over a 30-year contract, this optimization can reach 60,967 CHF!
Self-employed individuals (not affiliated with a pension fund) can contribute up to 36,288 CHF annually, saving an average of 10,160 CHF in taxes each year.
When planning your financial future, it's crucial to understand the differences between banking and insurance solutions. While banking products offer some guarantees, insurance solutions stand out for their superior protection, flexibility, and tax benefits, providing more comprehensive and targeted coverage for you and your loved ones.
How great is it not having to leave your home? We work 100% online using only digital tools: communication via video call, phone, or WhatsApp. Fast processing with electronic signatures.
You can write to us whenever you want, receiving clear and prompt responses from a real consultant.
A face, a name, an expert. We support you with personalized virtual meetings.
If you prefer voice communication, we're available wherever and whenever you want.
We finalize everything online securely and certified, even from your smartphone.
Feedback from those who chose Loyal Group for their financial future.
"I was very frustrated because my third pillar was yielding very little. With Loyal Group I discovered the management fees were extremely high. We then signed a new, much more efficient contract. Transparent and professional!"
"At the beginning of the year I was looking for a third pillar solution, but online I only found confusing information and complicated offers. Then I discovered Loyal Group: they clarified all my doubts and found the right solution for me. Now I feel informed and secure about my financial future. Thank you!"
"I was skeptical when I requested the consultation, after negative experiences with other brokers. I must admit it was worth it though! Thank you Santo."
"Unfortunately my sister could no longer work after an illness and stopped receiving a salary. I wanted to understand my own situation and they helped me with a personalized financial analysis! Issues that are too often underestimated - I recommend everyone look into them."
"For years I paid direct amortization for my house, unaware that the third pillar offered advantages. Loyal Group helped me revise my bank contract to fully benefit from them!"
"When buying a house I had many doubts about protecting my family. With Loyal Group we planned everything down to the smallest detail. Highly recommended."
"I've been Santo's client for 11 years now, and thanks to his planning I finally saved enough for my apartment down payment!"
"My third pillar yields more than expected every year. I can only thank Loyal for the advice I received five years ago!"
"I had no idea about third pillar tax benefits until I spoke with a Loyal Group consultant. Now I save on taxes every year and feel much more secure about my future."
"The consultation was clear and pressure-free. They explained every detail simply, and I could choose the right solution calmly."
"I already had a policy, but it no longer suited my situation. Loyal Group analyzed everything and proposed a more advantageous alternative. Finally I feel truly protected."
"Professionalism, transparency and competence. I never thought pension planning could be so accessible and useful."
"I particularly appreciated that Loyal Group consultants are independent. I knew the advice I received was truly in my interest, not dictated by a company."
We don't sell pre-packaged solutions. We analyze, compare, and choose together with you. Always.
We thoroughly evaluate your personal, professional and tax situation.
We put the best companies in competition to give you top quality at the best price.
We work for you, not for the companies. Our proposals are always impartial.
We explain every detail: costs, benefits, conditions and alternatives.
We support you over time, keeping you updated and adapting solutions to your new needs.
With Loyal Group's team, you can review your financial situation, identify any gaps, and find the most effective tools to optimize your savings, pensions, and future protection.
Financial Advisor IAF
FINMA No. F01330534
Financial Advisor IAF
FINMA No. F01200842
Insurance Advisor AFA
MSc in Banking & Finance
FINMA No. F01522758
Insurance Advisor AFA
MSc in Banking & Finance
FINMA No. F01521818
Financial Advisor IAF
FINMA No. F01486908
We're not just intermediaries. We're your partner in pension and financial planning.
Clients pay the same fees as they would by going directly to the insurance company.
We don't work for insurers—we work for you! Loyal Group analyzes the market and provides you with the best available options.
We've been operating in the market since 2012, with over 7,880 contracts signed. We have in-depth market knowledge and want to put our experience to work for you.
Loyal Group is an independent broker registered with FINMA (license no. F01202725). FINMA is the
Swiss authority that supervises the insurance and financial sector: this ensures that we comply with
clear regulations, continuously update our practices, and protect our clients'
rights.
Since we are not tied to any specific insurance company, we can recommend only
the policies we genuinely believe are best for you, with the assurance of full regulatory
compliance.
# | Company | 2024 Return | Features | Rating | ||
---|---|---|---|---|---|---|
2 | Best Insurance Companies of 2025 |
Helvetia Premium Pension |
28.19% |
|
Rating4.85/5 |
|
Helvetia
Information
Founded in 1858 in St. Gallen, Helvetia is one of Switzerland's most historic and well-established insurance companies. Over the years, it has built a solid reputation as a reliable partner for asset protection and pension planning. Today it operates throughout Switzerland and several European countries, offering modern and flexible solutions for both third pillar and life insurance. Helvetia stands out for its ability to combine tradition and innovation, offering adaptable contracts, a strong digital component, and high-quality advisory support. |
||||||
2 | Best Insurance Companies of 2025 |
Swiss Life Dynamic Elements Duo |
20.06% |
|
Rating4.85/5 |
|
Swiss Life
Information
Swiss Life was founded in 1857 under the name "Schweizerische Lebensversicherungs- und Rentenanstalt" and is today the leading group in Switzerland for life insurance and private pensions. Listed on the Zurich Stock Exchange and active in several European countries, Swiss Life is synonymous with financial solidity and expertise in long-term planning. Its third pillar and life insurance solutions are designed to guarantee freedom of choice, tax optimization, and long-term security. Thanks to its long history and network of expert consultants, it's one of the reference points for those looking to build a financially secure future. |
||||||
4 | Best Insurance Companies of 2025 |
Liechtenstein Life Prosperity Duo |
19.11% |
|
Rating4.75/5 |
|
Liechtenstein Life
Information
Liechtenstein Life, part of The Prosperity Company AG group, is a young and dynamic company founded in 2008 in the Principality of Liechtenstein. Although more recent than other insurance giants, it has quickly established itself thanks to its innovative approach: pension solutions completely focused on investment, with extremely flexible contracts. It's the ideal choice for those looking for a modern policy, portable internationally and focused on performance. |
||||||
5 | Best Insurance Companies of 2025 |
Generali Flex Pension |
13.60% |
|
Rating4.75/5 |
|
Generali
Information
Generali is one of the oldest insurance groups in the world, founded in Trieste in 1831. Today it operates in over 50 countries, with a strong presence in Switzerland where it has been active for over 140 years. Generali Switzerland offers comprehensive and customizable pension solutions, designed to support people through every stage of life. Their life insurance and third pillar products stand out for service quality, coverage reliability, and the opportunity to benefit from long-term advantages and bonuses. All this is supported by an extensive network of competent consultants. |
||||||
2 | Best Insurance Companies of 2025 |
Zurich Zurich Invest |
14.62% |
|
Rating4.75/5 |
|
Zurich
Information
Founded in 1872, Zurich Insurance Group is one of the most well-known insurance companies in the world, headquartered in Zurich itself. For over 150 years, Zurich has been protecting families, self-employed workers, and businesses in more than 200 countries. In Switzerland, Zurich offers comprehensive and cutting-edge pension solutions that combine financial stability, digital technologies, and access to modern investment strategies. Their third pillar policies and life insurance are highly customizable, ideal both for those seeking security and those aiming for capital growth. |