If you have been insured for at least three (pillar 3a) or five years (pillar 3b), and your contract assets are at least CHF 5,000, you can take a premium break of one to three years. This can make sense in the event of, for example, maternity leave, a stay abroad or unemployment. During this time, Zurich will cover the running costs from your contract assets. This does however reduce the guaranteed survival benefits. Your insurance coverage in the event of death or disability remains at the same amount