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.

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How it works

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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?

Turtleneck uses the premium you pay as a sort of account to which a monthly administration fee of 2,50 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.

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How does it work?

ONE.

Imagine your annual premium as your own personal Turtleneck balance from which we take 30 EUR/CHF of management costs (2,50 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.