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PRACTICAL INFORMATION

Frequently asked questions: insurance, pensions and financing

Find answers to frequently asked questions about our insurance, pension and financing services.

Which clients does UAG & Associés support?

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We advise individuals, self-employed people, SMEs, large companies and family offices, mainly in French-speaking Switzerland.

Why use an independent intermediary?

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Our role is to analyze your needs, compare the available solutions and negotiate with several insurance companies or financial institutions.

What insurance do you offer to individuals?

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We support you to protect your home, your vehicles, your valuables, your real estate, your income, your family and your pension.

What coverage concerns businesses?

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We work in particular for inventory, loss of earnings, accidents, professional insurance, civil liability, directors' liability and transport.

Can you compare several mortgage financings?

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Yes. We prepare your file and consult our network of banks and insurance companies to compare rates, conditions, amortization and guarantees.

What is the difference between pillar 3a and pillar 3b?

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Pillar 3a is a linked pension plan with tax advantages and legal withdrawal conditions. Pillar 3b is a free pension plan, generally more flexible. The choice depends on your situation.

Do you support business creation?

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Yes. We help you identify the necessary insurance, financing needs and useful partners, including trustees, notaries and banks.

How to request an initial analysis?

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You can call us at +41 22 839 32 46 or write to info@uagassocies.ch. The initial consultation is personal, free and without obligation.

A CLEAR METHOD

Preparing a useful discussion with our team

  1. 01

    Define the decision

    Start by defining the decision you need to make: renewing a contract, protecting income, financing a property or preparing for retirement. A concrete objective allows us to select relevant information and avoid an overly general comparison.

  2. 02

    Gather documents

    Gather any current contracts, offers received, pension statements, financial data or project details that you have. We can begin without a complete file and then tell you precisely which documents are required for the next step.

  3. 03

    Flag deadlines

    Mention important deadlines, including a cancellation date, purchase, retirement or the hiring of an employee. The timetable affects the options still available and the order in which steps should be taken.

  4. 04

    Clarify the next step

    After the first discussion, we summarise the points to check, missing documents and useful next steps. You then have a clear roadmap before requesting an offer, purchasing cover or making a financing decision.