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Private verification map

Map the questions behind life protection

Select broad categories only. The map separates documents and clauses to verify; it measures no need, diagnoses no gap and recommends no cover.

Temporary choices · no transmissionSources checked on 29.08.2026

Temporary choices · no transmission

Describe topics without identifying yourself

No name, age, date, amount, income, health, contact, real beneficiary or free text is requested.
Groups completed0 of 5
Broad building blocks that may already exist

Multiple choice; “none/unknown” clears the others.

Broad objectives to document

These categories calculate neither capital nor need.

Hypothetical risks to verify

No information about health or an actual event.

Preferred contractual flexibility

A broad preference, never a recommendation.

Clauses and documents to examine

Multiple choice; “all/unknown” only broadens the questions.

Question map

Four sections without an automatic conclusion

Each section helps compare written answers. It is not a diagnosis, score or coverage decision.

Inventory and coordination

Separate public, occupational and private arrangements before comparing.

Questions to verify
  • Which public certificates, regulations, policies and contractual notices describe each existing building block separately?
  • Which benefits may come from AVS/AI, occupational pensions, accident insurance, an employer or a private contract, and in what order should they be checked?

Death and beneficiaries

Read the insured event, term, evidence and beneficiary clause.

Questions to verify
  • Which insured event, term, exclusions, evidence and payment conditions define death protection?
  • Who is named or ranked as beneficiary, how can the clause change, and which rules or consents must be checked?

Incapacity and contractual triggers

Compare definitions, waits, causes, reviews and contribution continuity.

Questions to verify
  • How does each document define incapacity for work or earnings, its degree, cause, review and decision maker?
  • Which waiting period, benefit duration, reviews and ending events are written in the contract?

Flexibility, values and documents

Verify adjustments, costs, values, exclusions and complaint routes.

Questions to verify
  • How can protection be adjusted, paused, reduced, converted or terminated, and which effects are documented?
  • Which costs, surrender or settlement values, projections, guarantees and document versions must be obtained in writing?

This map organises broad questions only. Applicable authorities, regulations, certificates, policies and written decisions determine rights, benefits, exclusions and beneficiaries.

No personal data collected

Choices remain only in this page’s React memory until reload or closure. The tool uses no network, cookie, storage, URL parameter, analytics or form.

Method

  1. Inventory arrangements without merging them.
  2. Turn categories into written questions.
  3. Confirm every answer in the applicable documents.

Limits

  • No score, calculation or diagnosis.
  • No eligibility or benefit decision.
  • No product or coverage recommendation.
  • No cover or value is guaranteed.

ClairAssur.ch

This map organises broad questions only. Applicable authorities, regulations, certificates, policies and written decisions determine rights, benefits, exclusions and beneficiaries.