KOKON Income protect

Occupational Disability Insurance

KOKON Income protect is the ideal solution for employees and self-employed people who value convenient all-round protection. The policy offers maximum protection in the event of temporary or permanent occupational disability as a result of an illness or accident. The best part is that you can choose whether you want to take out your own occupational disability insurance as part of a tied pension plan (pillar 3a) or as part of a flexible pension plan (pillar 3b). KOKON Income protect gives you the necessary financial freedom when you need it most – in the event of occupational disability. If worst comes to worst, make up for your income shortfall with KOKON Income protect.


  • Included: The KOKON Income protect plan also includes premium exemption coverage in the event of occupational disability.
  • Waiting period: There is a waiting period until the first pension payment to receive benefits. You can choose between a waiting period of 12 or 24 months.
  • Pension benefit payment: Minimum pension: The agreed annual pension must be at least CHF 6,000. Maximum pension: The agreed annual pension may not exceed 100% of the last wages received, max. CHF 36,000. We do not carry out a financial audit of the income for an annual pension of up to CHF 36,000.
  • Minimum entry age: 18
  • Maximum entry age: women 59 / men 60
  • Coverage ends at: women 64 / men 65
  • Minimum insurance period:
  • Entry age < 50: 15 years
  • Entry age > 50: 10 years
  • From maximum entry age: 5 years
  • Simplified health check possible under certain conditions
  • Combination: Combination: By combination with our whole life insurance KOKON Risk protec you can cover both risks in one contract.
  • Premium Payment: risk- and age-related premiums: Choice of monthly, quarterly, half-yearly or yearly premiums (without additional costs)


  • Can I combine the occupational disability insurance KOKON Income protect with the whole life insurance KOKON Risk protect? Yes, KOKON Income protect can also be taken out in combination with the independent whole life insurance KOKON Risk protect. You benefit from our combination savings within the unit costs. You are also exempt from paying premiums for whole life insurance in the event of occupational disability.

Information on our Swiss plans

To calculate our plans, we use disability tables based on the statistics for individual insurance 2003–2007 of the Swiss Insurance Association and mortality tables based on the mortality tables for individual endowment insurance EKM/F 2005.

Information on the premium deposit and blocked premium deposit

Premium deposit: 0.0%
Blocked premium deposit: 0.25%
The performance of the credit balance on the premium deposit is subject to a variable performance rate for which the performance of the investments assigned to the premium deposit as a whole serves as a reference. Please note that the performance rate can also be negative. We have the right to change the performance rate at any time, effective immediately.
As of November 2017

Information on the terminal bonus

As was the case in previous years, the allocation to the terminal bonus is 0% for 2016 due to costs. Therefore, there is no allocation to the terminal bonus because of costs.
As of December 2016

Liechtenstein Life Assurance AG
Industriering 37
9491 Ruggell

E-Mail: info@liechtensteinlife.com
Phone: +423 265 34 40