Life Insurance

Financial security for the people who matter most to you.

With Caveo life insurance, you can easily protect your family online, tailored to your personal financial planning needs.

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Interview with Philippe Muntwyler

Who will pay the rent the day after my funeral?

14 Honest Questions About Life Insurance, Answered Based on Thousands of Consultations._other

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  • Question 1 from 14

    What exactly is life insurance?

    The term is actually a bit confusing because it covers a wide variety of products. Put simply, there are two basic concepts: protecting against risk and building wealth.

  • Question 2 from 14

    Why is it actually called "death insurance"? It sounds like you're insuring death.

    Actually, the name is misleading. I’m not insuring against my own death—that’s bound to happen eventually anyway. What I’m insuring is the financial value that disappears when I’m gone. If I earn CHF 150,000 a year today and my family depends on that income, then when I die, it’s not just a person who’s gone. It’s also a source of income. But:

  • Question 3 from 14

    Isn't that something for old people?

    No. Life insurance has less to do with age than with the question of what financial obligations a person has. People often have a great deal of responsibility, especially when they’re younger: young children, a mortgage, a shared standard of living, or a business. At the same time, they usually haven’t built up enough assets yet to easily cover a loss of income on their own.

  • Question 4 from 14

    Who will pay the rent the day after my funeral?

    That’s one of the most important questions. Imagine a couple: two incomes, two kids, daycare, an apartment or a mortgage, health insurance, a car, vacations—just everyday life. Then one of them dies. Most expenses don’t care—the bills keep coming anyway.

  • Question 5 from 14

    You've conducted thousands of consultations. What do people generally lack?

    About CHF 500,000. Here’s the interesting thing: Most people would never come up with that number on their own. They might think, “I have a good pension plan,” or “We have some savings,” or “The bank required life insurance when we took out the mortgage.” Then, when we actually add it all up, we suddenly find that several hundred thousand francs will be missing over the next few years to cover everyday living expenses.

  • Question 6 from 14

    My partner and I aren't married. We've been living together for ten years. What would he get if I died tomorrow?

    This is one of my “favorite questions” because it shows just how complicated our retirement system is. The same couple. The same life. But three retirement systems can react in completely different ways.

  • Question 7 from 14

    What happens to the money if I just don't die?

    Then it’s gone. And I think that should be stated just as clearly. With pure risk insurance, you pay to have a risk covered. If your house doesn’t burn down, you don’t get your home insurance premiums back. And no one says, “Too bad—my house didn’t burn down.”

  • Question 8 from 14

    Why do so many life insurance policies end at age 65?

    Because 65 sounds like retirement. But insurance shouldn't be limited to a certain age. It should last as long as the financial risk exists.

  • Question 9 from 14

    Why do so many people have life insurance in the first place? Is it for their family—or for the bank?

    Very often, this issue comes up for the first time in connection with a mortgage. The bank wants to ensure that the loan remains affordable even if one person dies. From the bank’s perspective, that’s understandable. But the bank focuses primarily on the loan. As a financial planner, I have to focus on the family.

  • Question 10 from 14

    Do you have life insurance yourself?

    Yes, but not because I think insurance is great. It’s because I asked myself the same question I ask every client: What would I be missing financially if my income disappeared tomorrow? Then I analyzed:

  • Question 11 from 14

    What was the most uncomfortable conversation you've ever had on this topic?

    For me, there isn’t really a single “most uncomfortable conversation.” After a death, the same question almost always comes up: What happens next financially? And the interesting thing is: This question is often surprisingly independent of how well off someone is financially. A death initially creates enormous emotional uncertainty. And this uncertainty very quickly spills over into financial questions: Will our income be enough? What will happen to the apartment or house? What benefits are available? What needs to be taken care of now?

  • Question 12 from 14

    Why do some people in Singapore buy life insurance even though they are still young?

    Because the approach to financial protection there is sometimes broader than it is here. In Switzerland, many people first associate life insurance with spouses and children. In Singapore, however, a completely different question may be relevant when it comes to financial planning: Does this person provide financial support to their parents? After all, parents, too, may be financially dependent on the income of their adult children.

  • Question 13 from 14

    Why should I actually insure my human capital?

    Because for many people, their greatest asset isn’t their car, their house, or their securities portfolio, but their own ability to generate income over decades. For example, someone who earns CHF 150,000 at age 35 and has about 30 working years ahead of them will have a nominal total of CHF 4.5 million in future income.

  • Question 14 from 14

    If I want to know how big my own gap is right now—what do I need to do?

    In my view, the first step is always a professional financial planning audit—that is, a comprehensive analysis of your financial situation. Before we discuss any type of insurance, we first need to understand what your financial situation actually looks like. This involves more than just a few questions about income and your mortgage. For a thorough analysis, I need, among other things, your tax return, pension fund statements, existing retirement and insurance plans, your assets, your liabilities, and a realistic family budget.

How big is your gap?

Questions? +41 44 278 80 60 · broker@caveo.ch

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Your Benefits.

What makes our life insurance policy special?

Digital Retirement Planning Analysis

The app shows you what risks your family faces and where gaps in coverage might arise.

Insurance Tailored to Your Situation

Your recommended coverage is based on your personal circumstances and existing retirement savings.

Simply sign up online

From the quote to the policy, all right in the app—no paperwork.

Support Even After Graduation

Even after you've signed up, Caveo will continue to assist you with changes and managing your insurance.

When is life insurance a good idea?

If others are financially dependent on you

If others are financially dependent on you

For example, a partner, children, or family members.

If you have a mortgage or other significant financial obligations

If you have a mortgage or other significant financial obligations

To ensure that ongoing expenses and loans remain covered.

If you want to avoid gaps in your income

If you want to avoid gaps in your income

This insurance helps your loved ones maintain financial stability.

Here's how it works.

Get your life insurance in just 3 steps.

  1. 1

    Download the app

    Download the Caveo app for free and create your personal account in just a few minutes.

  2. 2

    Analyze the retirement planning situation

    Answer a few questions about your current situation and receive a personalized analysis.

  3. 3

    Calculate coverage and purchase a policy online

    Determine your ideal coverage amount and take out your policy conveniently online—paperless and easy.

One conversation—and then you'll know where you stand.

  • 45 minutes, via video or in person in Schlieren
  • With a financial planner, not a salesperson
  • Free and with no obligation
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