Premium Life is very flexible, unlike many retirement provision solutions:
After three (pillar 3a) or five (pillar 3b) years, you can take a premium break - with full insurance coverage.
You benefit from a coverage extension guarantee and can increase your premium at various times without a new health check: in the event of marriage, birth of a child, purchase of a home or every 3 years.
If you become unemployed or no longer work, you can switch from pillar 3a to pillar 3b at any time - at no additional cost.
With a 3a policy, you have the option of making an additional payment once a year. This is interesting, among other things, for self-employed people without a pension fund who only know how high their income is at the end of the year.
Up to three months before expiration, you can extend the term of your 3a insurance until the regular OASI age - and even up to five years beyond. Requirement: You must provide evidence of earnings from employment.