SACG - Life Insurance and Annuity Overview

The following tables give an overview of the most important insurance and Swiss annuity products.

Life insurance policies and Swiss annuities can be tailor-made to suit the most individual needs. Please let us know your specific requirements and we will be pleased to make you an offer which is carefully tailored to your individual situation.

Swiss Annuity Consulting Group uses only the best, professionally selected life insurance and Swiss annuity products from the world's leading and most established insurance companies.

Immediate Annuity, Deferred/Flexible Annuity and Whole Life Protection

Type of Insurance	Immediate Annuity	Deferred/Flexible Annuity	Whole Life Protection
Aim, Purpose	To secure a regular income for life - starting immediately	To accrue an agreed sum of money by a certain date and/or to secure a regular income for life - starting at a certain date in the future	To provide the beneficiaries with a lump sum when the insured person dies: Lifetime cover, financial security for beneficiaries
Benefits	Annuity payment until death Joint policy: until the second person dies Annuities with refund: amount refunded in the event of death 100% asset protection	Annuity payment until death Joint policy: until the second insured person dies Annuity payment starts after deferment period Annuities with refund: amount refunded in the event of death 100% asset protection	Insured sum paid out upon death Joint policy: upon first death 100% asset protection
Benefit options	With or without refund on death Life annuity "X" years certain Fixed term annuity	With or without refund on death Premium waiver for insured person or premium payer in case of disability Flexible deferrement period and open benefit choices until beginning of annuity payments	Whole life protection on one life Whole life protection on two lifes (joint policy)
Premium payment options	Single premium	Single premium or periodical premium payment during deferment period	Single premium or periodical payment during whole life
Personal quotation request	Immediate Annuity	Deferred Annuity	Whole Life Protection

Your advantages

By arranging your insurance policy through Swiss Annuity Consulting Group, you pay no more in premiums than going directly to the insurance company. But you save time and money because you benefit from our comprehensive advisory and support services. Not only can you be sure to select the insurance which suits your needs, you also benefit from our on-going assistance and advice.

We are independent of any particular insurer and therefore represent only our client's interests. Through our expertise and experience we are able to provide you with the information and advice you need to make Your Choice for Life.