Pension schemes for association members
Think about tomorrow today.
Pension schemes for association members
As an association member, even if you’re self-employed (without personnel with 2nd pillar coverage), you can now also make provision for risks such as death and disability. This is why we developed three innovative pension solutions in close cooperation with management interest group Schweizerischer Kaderverband as well as various commercial and professional associations.
AsgaSolid
AsgaExtra
AsgaTop
“I want a favourably priced pension solution that will help me if something happens.”
“I want more! A higher retirement pension and better protection in the event of death and disability.”
“I want the optimum. The largest savings potential and the best risk protection”
The benefits for you
| The AHV annual salary up to a maximum of CHF 88 200 less the coordination deduction of CHF 25 725 is insured. | The AHV annual salary up to a maximum of CHF 352 800 less the coordination deduction of CHF 25 725 is insured. | The effective AHV/AVS annual salary up to a maximum of CHF 352'800.00 is insured. |
| The retirement or disability pension, including AHV/AVS//IV/AI, should be in the area of 60% of the salary. | The retirement or disability pension, including AHV/AVS//IV/AI, should be in the area of 70% of the salary. In the event of your death, survivors should receive 50% of your salary, including AHV/AVS. | The retirement or disability pension, including AHV/AVS//IV/AI, should be in the area of 80% of the salary. In the event of your death, survivors should receive around 60% of your salary, including AHV/AVS. |
| In the event of your death, survivors should receive 40% of your salary, including AHV/AVS. | Voluntary purchases and additional savings contributions will now also go towards your lump-sum death benefit. | Voluntary purchases and additional savings contributions will now also go towards your lump-sum death benefit. |
Your risk insurance profile
Disability pension:
30%
of the AHV/AVS salary
Partner’s pension:
20%
of the insured salary (in line with BVG/LPP minimum)
Child’s pension:
approx. 7%
of the insured salary (in line with BVG/LPP minimum)
Disability pension:
40%
of the insured salary
Partner’s pension:
24%
of the insured salary
Child’s pension:
approx. 7%
of the insured salary (in line with BVG/LPP minimum)
Disability pension:
50%
of the insured salary
Partner’s pension:
30%
of the insured salary
Child’s pension:
approx. 5%
of the insured salary (in line with BVG/LPP minimum)
Sample calculation - Basis of calculation
| AHV annual salary | CHF 95'000.00 |
| Member aged | 45 |
| Gender | Male |
| Maximum insured salary | CHF 62'475.00 |
| Calculation of maximum insured salary Maximum BVG/LPP salary of CHF 88'200.00minus coordination deduction ofCHF 25’725.00maximum insured salaryCHF 62'475.00 |
|
| AHV annual salary | CHF 95'000.00 |
| Member aged | 45 |
| Gender | Male |
| Maximum insured salary | CHF 69'275.00 |
| Calculation of maximum insured salary AHV annual salaryCHF 95'000.00minus coordination deduction ofCHF 25’725.00maximum insured salaryCHF 69’275.00 |
|
| AHV annual salary | CHF 95'000.00 |
| Member aged | 45 |
| Gender | Male |
| Maximum insured salary | CHF 95'000.00 |
| Calculation of maximum insured salary AAHV annual salaryCHF 95'000.00 |
|
Sample calculation - Insured benefits
| Estimated retirement capital on normal retirement | CHF 257'665.00 |
| Estimated retirement pension | CHF 15'900.00 |
| Disabled person's child benefit | CHF 3'180.00 |
| Partner's pension | CHF 8'679.00 |
| orphan's pension | CHF 2'893.00 |
| Disability pension | CHF 28'500.00 |
| Estimated retirement capital on normal retirement | CHF 285'712.00 |
| Estimated retirement pension | CHF 15'900.00 |
| Disabled person's child benefit | CHF 3'180.00 |
| Partner's pension | CHF 16'626.00 |
| orphan's pension | CHF 2'893.00 |
| Disability pension | CHF 27'710.00 |
| Estimated retirement capital on normal retirement | CHF 391'823.00 |
| Estimated retirement pension | CHF 20'375.00 |
| Disabled person's child benefit | CHF 4'075.00 |
| Partner's pension | CHF 28'500.00 |
| orphan's pension | CHF 2'893.00 |
| Disability pension | CHF 47'500.00 |
Sample calculation - Contributions / costs
| Savings contribution (retirement planning) | CHF 9'370.80 |
| Risk contribution | CHF 1'149.60 |
| Contribution to the guarantee fund | CHF 74.40 |
| Administrative costs | CHF 180.00 |
| Total contribution per year | CHF 10'774.80 |
| Savings contribution (retirement planning) | CHF 10'390.80 |
| Risk contribution | CHF 1'322.40 |
| Contribution to the guarantee fund | CHF 74.40 |
| Administrative costs | CHF 180.00 |
| Total contribution per year | CHF 11'967.60 |
| Savings contribution (retirement planning) | CHF 14'250.00 |
| Risk contribution | CHF 2'126.40 |
| Contribution to the guarantee fund | CHF 74.40 |
| Administrative costs | CHF 180.00 |
| Total contribution per year | CHF 16'630.80 |
For employers
If you have any questions about your company’s pension plan, or in the case of a new address or change:
For employees
If you have any questions about the insurance certificate, payments, purchases or advance withdrawals:
Associations
The following professional associations and cantonal trade associations have signed up for association insurance:
