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 beneficiaryBy editing free of charge from the customer account

Flexible coverageIncrease or decrease without costs

What is Turtleneck?Term life insuranceThe Turtleneck is a pure risk life insurance policy that automatically renews every year until you turn 65. It offers immediate and consistent coverage over the years, and the premium changes every year based on your advancing age.

Designed exclusively to cover deathThis type of life insurance is designed to provide protection to your loved ones specifically in the event of your premature death.

Fixed term, but renewable The insurance policy has a fixed term of 1 year, at the end of which it automatically renews without the need for additional 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.

Find your perfect plan

Plans & Pricing

All prices are in CHF/EUR


Monthly cost	from 2.50	from 8.45
Coverage	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
Medical examination
General conditions	Download	Download

Transparent fee breakdownWhat is charged to your Turtleneck account?

From the premium you pay, Turtleneck deducts a fixed monthly cost of 2.50 EUR/CHF and a proportional contribution to cover death cases—nothing more. At the end of the year, we return everything we didn’t use. In your customer area, you’ll always have full control over what’s happening with your "Turtleneck balance."

Calculate your premium

How does Turtleneck work?As simple as it is revolutionaryWe developed Turtleneck to offer you constant coverage from the start and let you pay the premium only when necessary.

A tailor-made annual premiumAt the beginning of the year, we collect the annual premium from each policyholder, which includes the fixed costs of EUR/CHF 30 per year (2.50 per month) needed to run the product. The premium for Turtleneck Classic is recalculated every year based on the risk of death, which increases with age.

Mutual help = low costs for everyoneIf a policyholder passes away, we collect a proportional contribution from the premiums paid by everyone to fund the claim payment to the beneficiaries. This way, everyone contributes just a little.

Fewer deaths means more savingsAt the end of the year, if the number of deaths is lower than expected, we refund you—net of costs—the portion of your premium paid at the beginning of the year that we didn’t need to use. We call this the “premium cashback,” and it’s given to you as a discount on next year’s premium or paid into your bank account if you cancel the policy.

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.

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 (after the waiting period), and unless you cancel it, the policy automatically renews every year until you reach the age of 65.