Excellent 4.5 out of 5

Secure the financial future of your loved ones with Turtleneck

Protection up to 400'000 €/CHF and premiums as little as 2,50 €/CHF!

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Why choose TurtleneckYour affordable, fast and transparent protection

Premium from 2,50 €/CHF per monthAnd coverage up to 400'000 €/CHF

Cancel whenever you wantAnd at no additional cost

You choose the beneficiaryWhenever you want from your client area

Flexible coverageIncrease or decrease without costs

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What is Turtleneck?Life insuranceTurtleneck is a renewable term life insurance policy that covers only death. In the event of a claim, we pay your chosen sum of money to your beneficiaries. The coverage is immediate and consistent over the years but can always be adjusted to fit your needs.

Choose the product that suits youTurtleneck Instant covers only accidental death, with a maximum coverage of 100,000 €/CHF and a premium that remains constant over the years. Turtleneck Classic, on the other hand, also covers death due to illness, has a maximum coverage of 400,000 €/CHF, and a premium that increases over the years based on age, claims trends, and company pricing.

Fixed term, but renewableThe policy has a fixed duration of 1 year, after which it automatically renews each year until you reach the age of 65, without the need for further medical evaluations.

Insured sum guaranteed from activation.From the 1st day of the month following the conclusion of the contract, the insured sum is fully guaranteed. The amount remains unchanged for the entire duration of the policy, unless you choose otherwise. You may modify it at any time, at no additional cost.

Find your perfect plan

Plans & Pricing

All prices are in €/CHF


Max. insured amount	100'000	400'000
Monthly cost	from 2.50	from 12.55
Possibility to upgrade
Online policy management
Cancel at any time
Possibility of appointing other beneficiaries
Coverage for accidental death
Coverage for health-related death
No medical visit required
Product information sheet	Download	Download

Transparent fee breakdownHow do we use the premium you pay?Every month we apply a fixed administrative cost of 2.50 €/CHF. The rest of the premium you pay is used solely to cover the amount owed to beneficiaries in the event of a death among the insured persons. At the end of the year, we assess the overall claims experience and, in proportion to the premium you paid, we refund you the portion of the premium we did not use to pay claims. In short, at the end of the year you could get back part of the premium you paid, saving money on your renewal

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How does the premium evolve?Calculate an estimate of the premium over the years

This projection shows an estimate of the annual gross premium of a Turtleneck Classic over the years (in purple) and the potential renewal savings (in blue). The potential savings, which you can subtract from the gross premium, represent what Turtleneck can on average return to you at the end of the year relative to the premium you paid. From the premium you pay, we only use what is necessary to cover costs and insured members’ deaths. If anything is left over at the end of the year, we return it to you.

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How does Turtleneck work?As simple as it is revolutionaryFair. Safe. Transparent.

A tailor-made annual premium

As a renewable policy with a non-fixed premium, the annual premium is subject to changes based on age, claims trends, and the company’s pricing. If you’d like to get an idea, you can always request an estimate of the current premium projection by writing to info@turtleneck.com.

Fewer deaths means more savingsAt the end of the year, if there have been fewer deaths than expected, we refund you, net of costs, the portion of the premium you paid at the start of the year that we did not have to use. If the policy is renewed, we apply the amount as a discount on the following year’s premium. If you decide to cancel, we transfer it to your bank account.

What if there are a lot of deaths?If the claims in a given year exceed the total net premiums we’ve collected from all policyholders, Squarelife (the insurance company behind the Turtleneck product) and its reinsurance partners step in to cover the difference. This way, we’ll never ask you to pay more than what was agreed at the beginning of the year.

Who we areThe insurance behind Turtleneck

+423 2371565

Landstrasse 33, 9491 Ruggell, Liechtenstein

FMA Register Nr.: 109964

Company Register Nr. (LI): FL-0002.197.226-9

squarelife.pec@sicurezzapostale.it

certified email valid for Italy

Turtleneck is a product of Squarelife Insurance AG, an insurance company based in Ruggell, Liechtenstein. Founded in 2013, we are registered and authorized by the Financial Market Authority (FMA) and provide our services across Europe. Our mission is to develop innovative, flexible, and affordable insurance solutions.

There are no dumb questionsFAQ

Is Turtleneck an insurance?

Turtleneck is a renewable term life insurance policy with a constant sum assured. This means the insured amount is guaranteed from the start, and unless you cancel it, the policy automatically renews every year until you reach the age of 65.

Can I cancel Turtleneck at any time?

Yes, you can leave Turtleneck at any time and receive the balance of your position Turtleneck.

But if the policy is renewable, do I have to answer health questions every year?

No, the policy renews automatically without requiring any action from you. We ask you some questions about your health and lifestyle only when you first take out the policy or if you decide to increase your coverage after it is active. If your health condition changes in the future, there is no need to inform us, and your coverage remains valid.

What is the procedure in case of a claim?

In the event of a claim, the beneficiary (or beneficiaries) can notify the death of the policyholder by email at info@turtleneck.com, attaching the original death certificate. Depending on the case, additional documentation may be requested. Once all the necessary documents have been collected and the claim is deemed valid, payment will be made within 30 working days.

Is the insurance premium tax deductible?

Yes, the insurance premium is deductible. In this regard, every year in January, we email you a certificate stating the amount of premiums you have paid to Turtleneck.

What other advantages do I have?

Subscribing to the policy is very quick. It’s done online on this website, prices are very affordable, and the acceptance decision is immediate.

Can I choose my coverage? how does it affect what I pay?

Yes, you can choose and adjust it over the years according to your needs. The higher the coverage you select, the higher your annual premium will be.

How much and when do I need to pay to renew the insurance policy?

The exact value of the premium will be communicated to you shortly before renewal and depends on how many death claims were settled during the previous year and your advancing age.

What is Turtleneck Instant?

Turtleneck Instant covers only from accidental death, but it can be subscribed by everyone within one minute.

Is Turtleneck a scam schema?

Turtleneck is managed by Squarelife, a regulated life insurance company. Behind Turtleneck there are also the big names in the reinsurance industry.

How does the complaint procedure work?

Squarelife aims to meet your expectations. If you're not satisfied with our service, we encourage you to let us know right away. Criticism and complaints will be taken very seriously. You can find out how at this link: complaint procedure.