Secure the financial future of your loved ones with Turtleneck
Protection up to 400'000€/CHF and premiums as little as 3,20€/CHF!
Calculate your premium
 
 
Excellent 4.4 out of 5
Why choose TurtleneckYour affordable, fast and transparent protection
Premium from €3.20 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.
Share your experience with TurtleneckBecome an Ambassador and save on your premium
How it works
 
Find your perfect plan
Plans & Pricing
All prices are in CHF/EUR
 
 
 
Monthly cost from 2.50from 7.25
Coverage100'000400'000
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
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Transparent fee breakdownWhat is charged to your Turtleneck account?
Turtleneck uses the premium you pay as a sort of account to which a monthly administration fee of 2 EUR/CHF and a contribution to resolve death cases (called a support contribution) are charged, nothing more. At the end of the year, we return what remains to you. From your customer area, you will always have control over what happens to your Turtleneck account.
Calculate your premium
How does it work?
ONE.
 
Imagine your annual premium as your own personal Turtleneck balance from which we take 24 EUR/CHF of management costs (2 EUR/CHF per month) and on which you can always have full view in your client area.

TWO.

Should a community member pass away, Turtleneck arranges for the payment of the coverage granted to the heirs of that member. The money is collected proportionally from each member's Turtleneck balance. Turtleneck pays the rest; in the end, we are an insurance company!

THREE.

Exactly like a checking account, at the end of the year the money left in your Turtleneck balance is carried over and discounted from your new premium. If, on the other hand, you decide not to renew your policy, they are paid directly into your checking account.
 
There are no dumb questionsFAQ
 
 
 

Is Turtleneck an insurance?

Turtleneck is an insurance, as it was 200 years ago. It is about people mutually and transparently protecting each other. There is no actuary actually trying to estimate your chance of living a long life, instead we look at what happens to our members.

Can I cancel Turtleneck at any time?

Yes, you can cancel Turtleneck at any time and have the balance of your wallet reimbursed.

Is the insurance premium tax deductible?

Yes, the insurance premium is deductible. In this regard, every year in January, we email you a certificate stating the amount of premiums you have paid to Turtleneck.

Is a standard insurance cheaper?

Since we charge death cases only when they happen and not based on statistics, nothing could be cheaper than Turtleneck.

What other advantages do I have?

Starting a membership on Turtleneck is very quick. It can be done online and you see immediate quotes.

Can I choose my coverage? how does it affect what I pay?

Yes, you can. You should choose your coverage according to your needs. The more coverage you require, the higher your initial payment and supportive contributions will be.

How much/how often should I transfer cash to my personal account?

The exact amount will be communicated at the beginning of every year and depends on how many claims have been regulated during the previous year and your age. The maximal amount will be communicated at the time of subscription.

I know a member of Turtleneck that smokes and is overweight. Is he paying more than me?

Members with increased risk, who are older, or who have more coverage, will be asked to contribute more.

What is Turtleneck Instant?

Turtleneck Instant covers only from accidental death, but it can be subscribed by everyone within one minute.

Is Turtleneck a scam schema?

Turtleneck is managed by Squarelife, a regulated life insurance company. Behind Turtleneck there are also the big names in the reinsurance industry.
 

Contact Info

    +39 (0471) 1430080
    +41 91 262 20 07
    +49 (40) 822169755
    +423 237 15 65
    +31 70 870 0060
     
    info@turtleneck.com
     
    Squarelife, Landstrasse 33, 9491 Ruggell, Liechtenstein


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