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Zurich KapitalLeben: the policy wording in full
Klassische Kapitallebensversicherung gegen Einmalbeitrag als Konsortialvertrag mit garantierter Erlebensfallsumme, Überschussbeteiligung und Todesfallsumme von mindestens 101 Prozent des Einmalbeitrags; ausgewertet ist nur die Produktinformation.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 68 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Zurich KapitalLeben.
Product and guarantees
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Traditional endowment policy with guaranteed interest (general account) | yes | „Bei jedem Versicherer erfolgt die Kapitalanlage konventionell im Deckungsstock (dem …“ | Um welche Art von Versicherung handelt es sich?, page 1 |
| Unit linked life insurance (savings invested in funds, investment risk with the customer) | not addressed | ||
| Hybrid product (general account, guarantee fund and free funds combined) | not addressed | ||
| Single premium contract available | yes | „Es handelt sich um eine Kapitallebensversicherung gegen Einmalbeitrag als …“ | Um welche Art von Versicherung handelt es sich?, page 1 |
| Guaranteed maturity benefit (sum assured on survival fixed in advance) | yes | „Erlebt die versicherte Person den Ablauftermin, zahlen wir eine garantierte …“ | Was ist versichert?, page 2 |
| Premium guarantee at maturity (percentage of premiums paid, quoted in text) | not addressed | ||
| Guaranteed technical interest rate on the savings part (rate quoted in text) | not addressed | ||
| Interest guaranteed only for a period, then reset by the insurer | not addressed | ||
| Surplus participation regulated (method and timing of allocation) | yes | „Diese Erlebensfallsumme erhöht sich gegebenenfalls um zusätzliche Leistungen aus der …“ | Was ist versichert?, page 2 |
| Share of valuation reserves on maturity, death or surrender | not addressed | ||
| Terminal bonus (also pro rata on early termination) | not addressed | ||
| Fund switches possible (number of free switches quoted) | not addressed | ||
| Insurer may replace or close funds without consent | not addressed | ||
| Expiry management (switch to low risk assets before maturity) | not addressed |
Term and payout
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fixed term with maturity date (minimum and maximum term quoted) | yes | „Sie endet spätestens am letzten Tag des vereinbarten Monats.“ | Wann beginnt und endet meine Versicherung?, page 2 |
| Whole of life term (benefit on death, withdrawals at any time) | not addressed | ||
| Flexible maturity (call period, earlier or deferred payout) | not addressed | ||
| Term extension without new health check | not addressed | ||
| Annuity option (maturity benefit as lifelong pension instead of lump sum) | not addressed | ||
| Payout in fund units instead of cash possible | not addressed | ||
| Maturity benefit paid in instalments | not addressed |
Death benefit and beneficiaries
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Death benefit during the term (sum assured or fund value) | yes | „Bei Tod der versicherten Person zahlen wir die vereinbarte Todesfallsumme.“ | Was ist versichert?, page 2 |
| Amount of the death benefit (sum, return of premiums, fund value or minimum, quoted) | yes | „Diese beträgt mindestens 101 % des gezahlten Einmalbeitrages.“ | Was ist versichert?, page 2 |
| Minimum death cover above fund value (for example 101 or 110 percent) | yes | „Diese beträgt mindestens 101 % des gezahlten Einmalbeitrages.“ | Was ist versichert?, page 2 |
| Additional benefit on accidental death (rider) | not addressed | ||
| Advance death benefit on terminal illness | not addressed | ||
| Joint life cover (two insured persons) | not addressed | ||
| Beneficiary freely designated and changeable (revocable or irrevocable) | not addressed | ||
| Death benefit limited in case of suicide (period quoted) | yes | „die vorsätzliche Selbsttötung innerhalb der ersten drei Jahre nach Abschluss des …“ | Was ist nicht versichert?, page 2 |
| Waiting period or scale for the full death benefit (period quoted) | not addressed |
Premiums and flexibility
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premium holiday or deferral without losing the contract | not addressed | ||
| Maximum duration of the premium holiday (months quoted) | not addressed | ||
| Premium reduction during the term | not addressed | ||
| Paid up option (contract continues with reduced benefit) | not addressed | ||
| Top up payments possible (minimum or maximum in text) | not addressed | ||
| Partial withdrawals or partial surrender during the term | not addressed | ||
| Indexation: regular increase of premium and benefit without health check | not addressed | ||
| Indexation right lapses after repeated refusals | not addressed | ||
| Guaranteed insurability (increase death cover without health check on life events) | not addressed | ||
| Premium waiver on disability as rider | not addressed | ||
| Child policy: insurer pays premiums on death of the payer | not addressed | ||
| Policy loan or advance on the benefit | not addressed | ||
| Change of policyholder possible (for example parent to child) | not addressed |
Cancellation, surrender and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Right of withdrawal after conclusion (period quoted) | yes | „Sie können Ihre Versicherung innerhalb von 30 Tagen widerrufen.“ | Kann ich meine Versicherung widerrufen?, page 2 |
| Termination by the policyholder at any time to the end of the period | yes | „Sie können Ihre Versicherung jederzeit jährlich, zum Ende der Versicherungsperiode …“ | Wie kann ich meine Versicherung kündigen?, page 3 |
| Surrender value on termination (calculation described) | yes | „Wird ein Vertrag gekündigt, zahlen wir Ihnen den Rückkaufswert Ihrer Versicherung aus.“ | Wie kann ich meine Versicherung kündigen?, page 3 |
| Guaranteed surrender values as table or reference to the policy schedule | not addressed | ||
| Surrender charge on termination or paid up | not addressed | ||
| Surrender only after a minimum period (period quoted) | not addressed | ||
| Acquisition costs spread over at least five years (zillmerisation regulated) | not addressed | ||
| Costs stated in the terms or referred to other documents (quoted) | yes | „Die genauen Werte können dem Persönlichen Vorschlag entnommen werden.“ | Sind die Kosten in den Beiträgen berücksichtigt?, page 3 |
| Assignment and pledge of claims possible (for example as loan security) | not addressed | ||
| Reinstatement after paid up or premium holiday | not addressed | ||
| Insurer waives ordinary termination | not addressed |
Tax and market framework
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Half income taxation mentioned (payout after twelve years and from age 62, Germany) | not addressed | ||
| Minimum term for tax exemption mentioned (Austria 15 years, single premium 10 or 15 years) | not addressed | ||
| Insurance tax and additional tax on early surrender regulated (Austria) | not addressed | ||
| SIALP (long term individual savings insurance) tax free after five years (Spain) | not addressed | ||
| PIAS (systematic individual savings plan) converted into a life annuity (Spain) | not addressed | ||
| Unit linked with investment choice within the tax rules (Spain, article 14.2 h LIRPF) | not addressed |
Duties and exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Health questions or pre contractual disclosure duty for the death benefit | yes | „Wenn Sie oder die versicherte Person unwahre oder unvollständige Angaben macht, kann …“ | Was ist nicht versichert?, page 2 |
| Period after which the insurer can no longer invoke a breach of disclosure (years quoted) | not addressed | ||
| Death benefit limited in case of war or civil unrest | yes | „kriegerische Ereignisse oder der vorsätzliche Einsatz von ABC-Waffen.“ | Was ist nicht versichert?, page 2 |
| Limitation for nuclear, biological or chemical weapons | yes | „kriegerische Ereignisse oder der vorsätzliche Einsatz von ABC-Waffen.“ | Was ist nicht versichert?, page 2 |
| Limitation for dangerous sports, aviation or motor racing | not addressed | ||
| Documents required for a claim listed (death certificate, medical report, policy) | not addressed | ||
| Annual statement on contract value, fund value and surplus | not addressed | ||
| Sustainable investment options or funds under the disclosure regulation named | not addressed |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Zurich Deutscher Herold Lebensversicherung Aktiengesellschaft
- Distribution
- not known
- Produktinformation KapitalLeben in einfacher Sprache Edition: Produktinformation KapitalLeben 12/2025 (Barrierefreiheitsstärkungsgesetz) Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Zurich KapitalLeben and available as plain text.
Volltext Zurich KapitalLeben Kapitalleben · As text (Markdown) Zurich KapitalLeben Savings life