Mortgage from Swiss Insurance companies vs Banks

[glina]

Look here:

How to exit my AXA Pillar 3A insurance policy smoothly?

Apologies if this post disturbs anyone, I would be grateful if anyone can advise me what to do now to minimize my loss. I did a search on the Forum about 3A and have read a few discussion threads, my situation looks kind of similar. the premium invoice for this year was due 1st Nov and seems I have till month end to pay for it. I have bought 3A at Axa Winterthur since 2016 and paid 3 annual premiums of 6.8k CHF. Life insurance Protect Plan Contract Policy dated: 24.10.2016 Beginning of the…

or here:

Huge fees exiting 3A Life Insurance

Hi, Similarly to @nugget and @Mr.Paprika I (my GF precisely) encounter issues regarding 3A life insurance closing with huge fees for exiting the contract. She subscribed to a 3A Life Insurance Insurance with Groupe Mutuel in 2017. She deposited CHF 6’000 3 times (2017/2018/2019) for a total of CHF 18’000. She can only withdraw 10’138 CHF, so a lost (legal steal?) of CHF 7862. She asked for a detail of how it is calculated. They answered the precise calcul is too complex for you and we have “…

[Broth]

Ok, Now I understand the surrender value and so on…

I thought that it is related to pledge or not your pillar 3 for the mortgage.
any comments on it? I thought that it was good until I discovered VIAC.

[Pedro]

SwissCanto = Zurcher Bank ?

I view all these entities behind SwissCanto but not any mortage

Zürcher Kantonalbank
Swisscanto Holding SA
Swisscanto Direction de Fonds SA
Swisscanto Fondations de placement
Swisscanto Asset Management International S.A.