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?Life insuranceTurtleneck is a term life insurance policy that covers only death. In the event of a claim, Turtleneck pays your chosen coverage amount to your beneficiaries. It offers immediate and continuous coverage over the years, and the premium changes annually based on your increasing 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 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.

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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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 revolutionaryFair. Safe. Transparent.

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.

Fewer deaths means more savingsAt the end of the year, if the number of deaths is lower than expected, we’ll refund you—net of costs—the portion of the premium you paid at the beginning of the year that we didn’t have to use. We call it the “premium cashback”: if the policy is renewed, it’s applied as a discount on the following year’s premium; if you decide to cancel it, we’ll 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.