Secure the financial future of your loved ones with Turtleneck

Protection up to 400'000€/CHF and premiums as little as 2,50€/CHF!

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Excellent 4.5 out of 5

Why choose TurtleneckYour affordable, fast and transparent protection

Premium from 2,50€/CHF per monthAnd coverage up to €400'000

Cancel whenever you wantAnd at no additional cost

You choose the beneficiaryWhenever you want from your client area

Flexible coverageIncrease or decrease without costs

What is Turtleneck?Life insuranceTurtleneck is a renewable term life insurance policy that covers only death. In the event of a claim, we pay your chosen sum of money to your beneficiaries. The coverage is immediate and consistent over the years but can always be adjusted to fit your needs.

Choose the product that suits youTurtleneck Instant covers only accidental death, with a maximum coverage of 100,000 EUR/CHF and a premium that remains constant over the years. Turtleneck Classic, on the other hand, also covers death due to illness, has a maximum coverage of 400,000 EUR/CHF, and a premium that increases over the years based on age, claims trends, and company pricing.

Fixed term, but renewableThe policy has a fixed duration of 1 year, after which it automatically renews each year until you reach the age of 65, without the need for further medical evaluations.

Constant insurance coverage from the startThe amount of the insured sum that will be paid to your loved ones in case of a claim remains unchanged for the entire duration of the policy unless you decide to increase or decrease it. The adjustment is free and can be made at any time.

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Plans & Pricing

All prices are in CHF/EUR


Monthly cost	from 2.50	from 8.45
Max. insured amount:	100'000	400'000
Possibility to upgrade
Online policy management
Cancel at any time
Possibility of appointing other beneficiaries
Coverage for accidental death
Coverage for health-related death
No medical visit required
General conditions	Download	Download

Transparent fee breakdownHow do we use the premium you pay?

Every month we apply a fixed administrative cost of €2.50 (or CHF). The rest of the premium you pay is used solely to cover the amount owed to beneficiaries in the event of a death among the insured persons. At the end of the year, we assess the overall claims experience and, in proportion to the premium you paid, we refund you the portion of the premium we did not use to pay claims. In short, at the end of the year you could get back part of the premium you paid, saving money on your renewal

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How does the premium evolve?Calculate an estimate of the premium over the yearsThis projection shows an estimate of the annual gross premium for a Turtleneck Classic over the years (in blue) and the potential renewal savings (in green). The potential savings, which you can subtract from the gross premium, represent what Turtleneck can on average return to you at the end of the year compared to the premium you had paid. Of the premium you pay, Turtleneck only uses what is necessary to cover costs and deaths among policyholders. If there is anything left at the end of the year, they give it back to you.

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How does Turtleneck work?As simple as it is revolutionaryFair. Safe. Transparent.

A tailor-made annual premiumAs a renewable policy with a non-fixed premium, the annual premium is subject to changes based on age, claims trends, and the company’s pricing. If you’d like to get an idea, you can always request an estimate of the current premium projection by writing to info@turtleneck.com.

Fewer deaths means more savingsAt the end of the year, if there have been fewer deaths than expected, we refund you, net of costs, the portion of the premium you paid at the start of the year that we did not have to use. If the policy is renewed, we apply the amount as a discount on the following year’s premium. If you decide to cancel, we transfer it to your bank account.

What if there are a lot of deaths?If the claims in a given year exceed the total net premiums we’ve collected from all policyholders, Squarelife (the insurance company behind the Turtleneck product) and its reinsurance partners step in to cover the difference. This way, we’ll never ask you to pay more than what was agreed at the beginning of the year.

Who we areThe insurance behind Turtleneck

Turtleneck is a product of Squarelife Insurance AG, an insurance company based in Ruggell, Liechtenstein. Founded in 2013, we are registered and authorized by the Financial Market Authority (FMA) and provide our services across Europe. Our mission is to develop innovative, flexible, and affordable insurance solutions.

+423 237 15 65

squarelife.pec@sicurezzapostale.it (certified email valid for Italy)

Squarelife, Landstrasse 33, 9491 Ruggell, Liechtenstein

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There are no dumb questionsFAQ

Is Turtleneck an insurance?

Turtleneck is a renewable term life insurance policy with a constant sum assured. This means the insured amount is guaranteed from the start, and unless you cancel it, the policy automatically renews every year until you reach the age of 65.

Can I cancel Turtleneck at any time?

Yes, you can leave Turtleneck at any time and receive the balance of your position Turtleneck.

But if the policy is renewable, do I have to answer health questions every year?

No, the policy renews automatically without requiring any action from you. We ask you some questions about your health and lifestyle only when you first take out the policy or if you decide to increase your coverage after it is active. If your health condition changes in the future, there is no need to inform us, and your coverage remains valid.

What is the procedure in case of a claim?

In the event of a claim, the beneficiary (or beneficiaries) can notify the death of the policyholder by email at info@turtleneck.com, attaching the original death certificate. Depending on the case, additional documentation may be requested. Once all the necessary documents have been collected and the claim is deemed valid, payment will be made within 30 working days.