Mixed life insurance. The individual and flexible solution which combines long-term capital accumulation with appropriate risk protection.

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1 Individual financial planning (pillar 3a/3b) Mixed life insurance The individual and flexible solution which combines long-term capital accumulation with appropriate risk protection.

2 A flexible mix of insurance cover. Mixed life cover offers guaranteed risk protection and long-term capital accumulation. It represents a useful supplement to pillar 1 and 2 benefits for you and for your family. When do you need this cover? Are you responsible for a spouse or life partner and/ or children? Are you looking to protect yourself and your family against the risk of death or disability? Are high-performance savings and tax benefits important to you? Are you looking for investment opportunities that are unaffected by turbulence in the financial markets? Financing to maintain your standard of living even after you retire or to make a dream come true? Look at what you could achieve. Security: In the event of your death, your surviving dependants or chosen beneficiaries will immediately receive a guaranteed lump sum. High-performance savings: After your policy expires, for example when you retire, you will have substantial, guaranteed savings capital at your disposal. Financial freedom, and all the opportunities it brings. Tax benefits: The government supports your individual financial planning the tax benefits built into pillars 3a and 3b give an additional boost to the return on your investment.

3 Customized cover. duction ath cover. You strike a balance between capital accumulation and risk protection to suit Capital your goals accumulation and needs when you take out your policy. Choose between two standard options with different Premium progressions reduction for the death cover element. uction th cover. Fixed death cover If security is your priority, Death we cover recommend choosing the Premium reduction option offering a fixed lump sum payable upon death: this means that your family is adequately covered from the outset and will receive a guaranteed payout in the event of your death. The benefit to you: a high level of risk protection. k and of payments. Increasing death cover Is risk coverage less important to you now, but will your need for higher death Premium cover increase payment over the term of your policy? Several options break with increasing death benefits cover this exact requirement. k and of payments. The benefit to you: higher savings component. Premium payment break

4 Adapting your policy to suit changing needs. Mixed life cover keeps up with your personal circumstances and needs. Are you planning on taking a training course or making a relatively large investment which will tie up a substantial amount of resources? Option A Allows you to temporarily reduce your while retaining your originally agreed level of death cover with no restrictions until the end of your policy term. For these and similar cases, we offer two options allowing you to temporarily reduce or completely suspend your. Temporary premium reduction with retention of full death cover. Temporary premium reduction with retention of full death cover. Premium reduction Premium reduction Option B You take a break from your but retain the option to resume payments at the originally agreed level at any time (prerequisite: existing conversion value) and without having to make back-payments. Premium payment break and subsequent resumption of payments. Premium payment break and subsequent resumption of payments. Premium payment break Premium payment break Both options mean that benefits will be reduced in the event of survival. However, the major advantage here is the flexibility to adapt even a long-term financial plan to your individual needs and circumstances.

5 6 important advantages of mixed life insurance Scope for customization: You choose the amount of insured capital, policy duration and type (pillar 3a «fixed» or 3b «flexible») and single premium or regular. Freedom to decide: Within the framework of pillar 3b, you have complete freedom of choice regarding beneficiaries (e.g. cohabiting or life partner). Guarantee: The policy guarantees a minimum interest rate on your savings capital and immediate outpayment to beneficiaries in the event of survival or death Opportunities: The policy includes the chance to share in any surplus return. This will be set by the company and is dependent upon business performance. Additional benefits: Take advantage of the benefits offered by the option to pledge or take policy loans against your mixed life policy as security for mortgages or other loans. Privilege: A relevant beneficiary clause will grant your spouse and/or children privileged status in inheritance matters or in the event of bankruptcy. Recommended additional cover. With a disability pension, you can protect yourself and your family against the financial repercussions of disability following an illness or accident. A premium exemption with ongoing insurance cover in the event of disability may also be a reassuring option. Moreover, the option to include an additional capital payment in the event of death is also available. Benefit from additional services. Balance Invest Unit-linked life insurance Savings target insurance Private pensions Mortgage loans (and indirect amortization) Unit-linked children s insurance Children s insurance

6 Tailored to where you are in life. A mixed life insurance policy is suitable for the pursuit of individual goals in various stages of life, in particular: Coverage of financial responsibilities vis-à-vis family and partners Protection against the risk of death and incapacity to work (disability) Indirect amortization of a mortgage Facilitation of early retirement Attractive reinvestment option for larger sums of money Safe capital investment in the event of financial market turbulence Seek advice now so that you can count on Allianz Suisse services when the time comes. Allianz Suisse Tel Fax [email protected] YDPPR251E 0812 The contractual terms and conditions of Allianz Suisse shall apply.