FAQ Terzopilastro.ch - Frequently asked questions about our services


(For information about the third pillar, go to the ARTICLES section)


3rd Pillar Frequently asked questions about our services

How does Terzopilastro.ch work?

Terzopilastro.ch compares the best companies for you, impartially and transparently, and offers you expert advice on pension topics, in three simple steps.
1) Request a comparison by filling out the form, or by a telephone call with our consultants..
2) You will receive the comparison by email and you can evaluate it with our experts (by phone, by video call, or personally)
3) Choose the product that best suits your needs and we will send you the necessary for the signature


Who provides insurance services?

Insurance services, such as social security analyzes, information, consultancy, requests for offers to various companies, and the brokerage of contracts, are provided by Baires Solutions Insurance Sagl, a company specializing in insurance consultancy and brokerage based in Morbio Inferiore , and duly registered with the FINMA supervisory authority under number 30444. www.bairesbrokers.ch


Is it possible to make a third pillar fully online?

Being such a sensitive topic, and to comply with all legal requirements, such as the policy holder identification, it is necessary to sign and send the original documents.
ATTENTION: DUE TO THE CORONAVIRUS EPIDEMY, PERSONAL MEETINGS HAVE BEEN SUSPENDED AND WE HAVE PREPARED OUR PROCEDURES TO BE ABLE TO DO OUR WORK BY PHONE, CHAT, VIDEO CALL, ETC.

What is a pension or social security analysis?

The social security or pension analysis is like a photograph of your actual pension coverage and illustrates, through simple graphs, what would happen in case of retirement, disability and death. Once the necessary information has been collected, a computer system calculates all the coverage and all possible scenarios. In this way, you will be able to consciously decide if you need a third pillar or not


Is the pension analysis free?

The social security analysis is offered free of charge when a third pillar is stipulated. If, on the other hand, you only want to do the social security analysis, the cost is CHF 250.

How often do you have to analyze your social security situation?

As a rule, whenever there are changes. For example, changes in income, due to a marriage or divorce, the birth of a child, etc. Otherwise, it is good to update the situation every 3-4 years.

How do I receive offers and proposals?

Once all the details have been defined, a comparison between the different companies will be set up and you will evaluate it together with our experts, who will answer all your questions. Once the company has been chosen, and any changes have been made to the offers, the third pillar will be signed

If you want to contact us for more information click here