FUTURA A to Z

Who will receive the insured lump-sum death benefit if I die?

are entitled to the full lump-sum death benefit, regardless of inheritance law:

a) the spouse of the insured person; in the absence of a spouse

b) the children entitled to a pension; in their absence

c) the natural persons who have been supported by the insured person to a significant extent or the unmarried person who has lived with the unmarried insured person without interruption for the last five years until the insured person's death; in their absence

d) the other children of the insured person; in their absence

e) the parents or siblings of the insured person.

If none of the persons mentioned under letters a to e are present, half of the lump-sum death benefit shall be paid to the other legal heirs in equal shares, to the exclusion of the community.

How high are the pension fund contributions?

The pension fund contributions depend on the salary, age and pension plan of the employer. At least half of all contributions for employees are paid by the employer. The contributions are deducted directly from the salary each month.

The personal contributions are shown in detail on page 2 of the pension certificate. You can find help with the "myFUTURA" login here:

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How is the old-age pension calculated?

Your personally saved retirement capital is converted into a lifelong annual retirement pension as follows:

Existing retirement assets at the time of retirement × Conversion rate in accordance with the regulations

Calculation example:

CHF 100,000 (retirement assets) * 5.4% (conversion rate, as at 2025) = CHF 5,400 (annual retirement pension).

In addition, there are the AHV benefits (1st pillar). You can apply in writing to your compensation office for a pension forecast for this part.

What is occupational pension provision?

The Swiss pension system is based on three pillars: state pension provision (1st pillar), occupational pension provision (2nd pillar) and private pension provision (3rd pillar). The BVG forms the 2nd pillar and, together with the 1st pillar, is intended to ensure the continuation of the accustomed standard of living.

What is the BVG?

The BVG (Federal Law on Occupational Retirement, Survivors' and Disability Pension Plans) regulates the mandatory minimum occupational pension benefits in Switzerland.

The BVG declared on the pension certificate therefore corresponds to the assets that would have been saved in accordance with the statutory minimum benefits.

Employers have the option of voluntarily providing better, so-called extra-mandatory benefits.

You can generate your pension certificate at any time in the "myFUTURA" portal. You can find information on registration here:

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