Insurance, pensions and mortgages: an Independent partner for private clients
Protecting your family, buying a home, planning for retirement or safeguarding your income are long-term decisions that often involve several different solutions. The strength of your protection depends above all on how well these elements work together.
As an independent insurance broker, Assidu has supported individuals, couples and families since 1979 with decisions relating to insurance, pension provision and mortgage financing.We review your existing cover, identify potential gaps and help you select solutions suited to your circumstances, with an approach guided by your needs and interests. This gives you a comprehensive view of your situation, clearly defined priorities and greater control over your costs over the long term.
Insurance
Protection for your family, home, vehicles and leisure activities, including personal liability insurance.
Pension provision
Analysis of your situation across the three pillars and retirement planning.
Mortgages
Financing analysis, offer comparison and a mortgage strategy tailored to your needs.
Insurance solutions
We support private individuales at every stage of life, helping them coordinate their insurance, pension provision and mortgage financing and make decisions tailored to their individual circumstances. Founded in 1979, Assidu is an independent, family-owned Swiss insurance brokerage registered with FINMA under No. F01460823. At Assidu, your dedicated adviser remains your primary point of contact and, depending on your needs, draws on our in-house specialists in pensions, insurance and mortgage financing. Your adviser centralises communication and ensures consistency across the recommendations provided.
A single point of contact for all your insurance, pension and mortgage financing needs.
Neutral and independent advice based on a network of more than 80 insurance and financial partners.
A focus on clarity, targeted protection and greater cost efficiency.
Pension analysis:
state (OASI/DI), occupational (BVG/LPP) and third-pillar provision
A pension analysis is at the heart of our support for private clients. This structured assessment covers all three pillars of the Swiss pension system: OASI/DI (1st pillar), occupational pension provision under the BVG/LPP (2nd pillar), and private pension provision (Pillars 3a and 3b). It sets out where you stand today and shows where your current cover diverges from what you want your life to look like
We gather your insurance and pension information and structure it to provide a clear and comprehensive overview of your current situation.
We model your expected benefits at retirement and in the event of disability or death and assess their practical impact on your financial objectives.
We identify and quantify potential income shortfalls based on your desired standard of living, financial commitments and objectives. This allows us to determine which areas require priority attention.
Together, we establish priorities between protecting your income, safeguarding your family's financial security and building retirement capital.
Based on this assessment, we structure specific and targeted solutions. Pillar 3 and risk protection solutions — including life and disability cover — are coordinated with your occupational pension benefits to address identified gaps and strengthen your overall protection over the long term.
Pillar 3a tax savings calculator
Contributions to a Pillar 3a are deductible from taxable income, making the resulting tax saving one of its most immediate financial benefits. Enter your details below to estimate your tax savings based on the applicable federal, cantonal and municipal tax rates.
Pillar 3a is, however, much more than a tax-saving instrument. It is a comprehensive pension solution that can also incorporate tailored death and disability protection according to your family and financial circumstances. Speak to an Assidu adviser to turn the tax benefit into a strategy that holds together.
Retirement and
financial planning
Where your situation involves substantial assets, several pension accounts, real estate holdings or self-employed activity, the pension analysis can be complemented by more detailed retirement and financial planning. Together, we develop a coordinated plan based on your objectives, time horizon, liquidity requirements and risk profile.
Particular attention is given to how and when you draw your pension assets:timing, the choice between pension income and lump-sum withdrawals, coordination between the different pillars and the tax implications of the available options.
Home ownership and mortgage financing
Mortgage financing and affordability
Whether you are buying a home or renewing an existing mortgage, the decisions you make will affect your finances for many years. Our analysis goes beyond the mortgage rate itself. We consider the structure of your financing, its long-term affordability and how the transaction fits with your overall pension planning.
Check the affordability of your property project
The calculator below applies criteria commonly used by Swiss banks to your project and gives you an initial indicationof whether the financing is affordable today. A second question deserves equal attention: if you became disabled or died, could your household continue to afford the property? This is why we place every mortgage within a broader pension analysis, connecting your insurance and pension protection, family situation and tax implications — both today and over the longer term.
Personal insurance
Personal insurance for your family, home and assets
We analyse your existing policies and coordinate your main insurance covers to protect your family, property and assets consistently. The objective is to adapt your coverage to your circumstances, reduce unnecessary overlaps and identify potential gaps.
Your personal check-up
The personal check-up provides a structured starting point for reviewing your overall situation. It covers your pension provision, insurance coverage and, where relevant, your mortgage financing.
At the end of the analysis, we provide you with a clear overview of your situation. It highlights potential gaps or inconsistencies and identifies the measures that could strengthen the protection of your family, home and overall financial position. Your check-up includes:
A coordinated overview of your pension provision, insurance coverage and mortgage financing.
Quantification of potential income gaps in the event of disability, death and retirement.
Priorities for action and the instruments available to address the identified gaps.
To request your personal check-up, complete the form. An adviser will then contact you to better understand your needs and arrange an appointment.
News and insights
2nd and 3rd pillar: what changes with the Federal Council's new ordinances
Mortgages and insurance: the most common mistakes in protecting your home
Pension planning and the 3rd pillar: how to avoid future gaps in your income
Optimise your mortgages: why rely on our expertise in the current market
BVG/LPP pension certificate: how to protect your future in Switzerland
Making tax-deductible buy-ins to pillar 3a
Appointment of Yanis Sellami as Pension and Retirement Planning Specialist at Assidu SA