{"id":10841,"date":"2023-01-13T12:42:15","date_gmt":"2023-01-13T12:42:15","guid":{"rendered":"https:\/\/chettioan.com\/?p=10841"},"modified":"2023-01-26T07:00:08","modified_gmt":"2023-01-26T07:00:08","slug":"swiss-management-association","status":"publish","type":"post","link":"https:\/\/chettioan.com\/swiss-management-association-10841.html","title":{"rendered":"Swiss management association"},"content":{"rendered":"<p>Risk insurance as effective protection in the event of death or disability<\/p>\n<p>&quot;I wish to live a long life in the best of health &#8211; but if something should happen to me, I would like to protect my relatives and business partners from financial loss!&quot;<\/p>\n<p>This quotation cannot describe the purpose of the risk insurance more aptly. Because by definition, the purpose of term insurance is to cover financial gaps in the event of disability or death, and protect dependents or business partners from financial harm.<\/p>\n<p>The pure (non-asset-building) risk insurance does not contain a savings component and therefore also no surrender value. Furthermore, the pure risk insurance is characterized by a relatively low premium amount and can be individually adapted to the needs of the policyholder.<\/p>\n<h2>Advantageous risk insurance through collective contracts<\/h2>\n<p>With the risk insurance of the Swiss Management Association, insured members can effectively prevent the financial consequences of a stroke of fate. For this purpose, the Swiss Management Association (SKV), in cooperation with Elips Life, offers a collective contract for risk insurance as part of the free Pillar 3b pension plan for financial protection in the event of death or disability. This is of fundamental importance, especially for the self-employed and executives. Because after an unforeseen event such as death, accident or illness, serious financial burdens can arise which, in the worst case, can mean economic ruin for the injured party. In order to cushion this scenario as much as possible, a risk insurance is the best solution. The main advantages of term insurance include the<\/p>\n<ul>\n<li>immediate financial protection of dependents (spouse, life partner, business partner)<\/li>\n<li>Premium waiver in the event of disability due to accident or illness<\/li>\n<li>Freely selectable benefits<\/li>\n<li>guaranteeing the continuity of business operations in the event of death<\/li>\n<li>Security for the mortgage<\/li>\n<li>Securing of a regular income in case of disability<\/li>\n<\/ul>\n<h2>What risk insurance is available?<\/h2>\n<p>In the risk insurance are distinguished between two different types of insurance, the disability insurance, and the death insurance.<\/p>\n<h2>Why actually disability insurance?<\/h2>\n<p>Not being able to work after an illness or a serious accident can cause serious financial problems in addition to the great mental and physical strain. To make matters worse, in Switzerland the benefits of occupational pension plans (BVG) and state insurance are usually not sufficient to maintain the accustomed standard of living.<\/p>\n<p>Disability insurance should be adapted to the individual circumstances of life. Because in this way, policyholders not only benefit from better and individually tailored insurance coverage, but also only as many premium contributions are paid as actually make sense to do so.<\/p>\n<p>Conclusion: In order to be optimally insured against unforeseen events such as accident or illness, it is advisable for every self-employed person to take out disability insurance.<\/p>\n<p>Of course, disability insurance should not be the only risk insurance that the self-employed and executives should think about first and foremost. It is therefore advisable to also take out insurance in the event of death. What exactly death benefit insurance is, and what benefits it offers, is explained in the next section:<\/p>\n<h2>Death benefit insurance &#8211; The risk insurance for the worst case scenario<\/h2>\n<p>The death insurance is a pure death risk insurance without savings portion, which is paid out only if the risk of death occurs.<\/p>\n<p>In contrast to disability insurance, which only pays out insurance benefits in the event of survival, death insurance offers protection against the financial consequences of the unforeseen death of the insured person. The insured capital can be chosen to be either constant or decreasing during the entire insurance term. The insured benefits are only paid out to the beneficiaries in the event of death. In order to guarantee the beneficiary survivors (spouse, life partner or business partner) an immediate financial benefit in the event of death, it is advisable to take out an individual death insurance policy, because the need, respectively. The needs of family members and business partners could not be more different.<\/p>\n<p>Conclusion: In order to cover the specific needs of spouses, life partners and business partners in the event of death, it is advisable to take out a death insurance policy with an individual lump-sum death benefit. Especially for self-employed persons and executives, it is important to know that their relatives and business partners are optimally insured. <br \/>The insurance offer of the Swiss Management Association<\/p>\n<p>Participation in the collective agreement, and thus enjoying risk insurance with favorable premiums, requires formal membership in the Swiss Cadre Association (SKV). However, this only obliges to pay a one-time entry fee of 50 Swiss francs.<\/p>\n<h2>Who or what is actually the Swiss Cadre Association (SKV)??<\/h2>\n<p>The Swiss Management Association (SKV) from St. Gallen is the interest and professional association for self-employed persons and executives from all professions. The association was founded in 1988 &quot;to promote the economic and professional interests of its members&quot;. Already over 14,000 members (with the family members even over 35,000 members) are registered.<\/p>\n<h2>Tips<\/h2>\n<p>Under this link, the risk insurance premium can be calculated with the online premium calculator. Simply enter your name, date of birth and the desired start date of the insurance and the premium calculator will generate the premium free of charge and without obligation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Risk insurance as effective protection in the event of death or disability &quot;I wish to live a long life in the best of health &#8211; but if something&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.7.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Swiss management association - chettioan.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/chettioan.com\/swiss-management-association-10841.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Swiss management association - chettioan.com\" \/>\n<meta property=\"og:description\" content=\"Risk insurance as effective protection in the event of death or disability &quot;I wish to live a long life in the best of health &#8211; 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