There are different agreements on what happens to the accumulated retirement assets when the insured person dies.

Full restitution

If the retirement assets are paid out to the beneficiaries in addition to the partner’s pension, this is called full restitution.

Partial restitution

A partial restitution exists if only the voluntary purchases made with the Foundation are «protected».

No restitution

If the insurance cover does not provide for any restitution on the retirement assets, the retirement assets are reduced by the partner’s pension payable by the insurance company in the event of death.

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