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Planning Your Financial Future

Income Protection

Protecting regular income if illness or accident interrupts work.

For many families and professionals, regular income is the foundation of financial stability.

Income protection helps address what happens if illness or accident prevents you from working for a period of time.

01

Start with employer protection.

Employees may already benefit from salary continuation, accident insurance, daily allowance cover or occupational pension benefits.

The level and duration of protection can vary, so it is important to understand what is actually provided.

02

Identify the real income gap.

A meaningful review looks at fixed expenses, savings, dependants, mortgage or rent commitments and how long income could be reduced before pressure appears.

This helps decide whether additional private protection is necessary and at what level.

03

Adapt protection to your status.

Employees, self-employed people and business owners do not face the same risks or have the same automatic benefits.

We help adapt the discussion to your professional situation and the financial responsibilities you carry.

Further guidance

Continue exploring expat topics

These sections connect the main questions internationally mobile clients usually need to review before choosing or adjusting cover.

A question about your life in Switzerland?

We would be pleased to help you understand your options and make decisions with greater confidence.