THE NEW OLD-FASHIONED WAY TO INSUREp2p insurance, bringing back the original concept of insurance to the digital age
.LOW-COST .FAIR .TRANSPARENT .DIGITAL
LIFE, YOUR MOST PRECIOUS ASSET
Life is well worth insuring.
You should buy life insurance when you care deeply for someone or want to build a house or a company, and your financial resources are not able to fill the financial gap if you were to die.
TURTLENECK REINVENTS THE CONCEPT OF LIFE INSURANCE
MAKING IT EASY AND INSTANT.
 
 

application in less than five minutes, immediate acceptance decision

community-based coverage

simply-stated terms and conditions
 
TURTLENECK COMES IN TWO FLAVOURS
 
 
 
100'000 EUR/CHF coverage
Monthly cost in euro2.50da 3.65
Coverage for accidental death
Coverage for health-related death not included
Possibility to upgrade
Online membership management
Cancel at any time
Possibility of appointing other beneficiaries
No Required medical examination
 
 
LOW-COSTTurtleneck brings the advantages of the sharing economy in the realm of life insurance, making it affordable and powerful.FAIRTurtleneck is fair, because it does not touch your money unless there is a reason to.TRANSPARENTTurtleneck is transparent, with its one page general conditions, clear stated costs and the possibility to leave at any time.DIGITALEvery process on Turtleneck is online. You have full control, during day and night.
 
INSURANCE CAN BE EASY
You are 30 years old and you are a happy father or mother. You want to protect your family or build a house. To have peace of mind you become a member of Turtleneck that will support your family with 100’000 EUR in case of your unexpected death. A Turtleneck membership costs you 37 EUR for this year. Turtleneck keeps 18 EUR to run everything. The remaining 19 EUR are kept in your Turtleneck account and will be used only in case of another member's death. If no other member dies, your payment for the next year will be lower. Turtleneck tells you exactly how each penny of yours is used.
 
HOW IS THAT POSSIBLE?

Unlike classical insurance companies, Turtleneck charges its members only an annual fee and when a member dies. Should an unlikely worst-case scenario not occur, there is no reason to ask for a full payment next year.
 
 
Turtleneck is transparent.

Your money will be used when needed, and only then.
HOW DOES IT WORK?
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ONE.
 
You decide to buy a membership in Turtleneck and protect your loved ones. During the subscription, you choose a coverage, i.e. an amount of money your heirs would need in case of your unexpected death. Turtleneck defines a yearly amount that you will transfer to your personal account (called Wallet) on Turtleneck. Turtleneck will never ask you more money than what agreed on during subscription.
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TWO.

Should an unfortunate event happen, Turtleneck organizes the payment of the coverage to the heirs of the deceased member. The money is collected from all group members’ wallets according to an advanced algorithm based on each risk profile and coverage.
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THREE.

Like a bank account, the money left in your wallet at the end of the year is carried over to the next year and will decrease the next payment. In this way, every member pays exactly what is right.
 
WHAT DO WE CHARGE ON YOUR WALLET?
 
On your deposit, Turtleneck is charging a monthly subscription fee of 1.50 EUR/CHF. Besides your contribution to settle death cases (called supportive contribution), nothing else will be charged. You always have control over what happens on the money in your wallet.
 

LET’S SEE SOME NUMBERSThis example shows how the extract of your wallet would look like after a couple of years of Turtleneck membership. Let’s compare what you pay with Turtleneck with respect to a classical insurance with the same premium.
 
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Your car is insured! ..but what about your loved ones?Compare the value of your car with the value of your life. Now compare the price of your car insurance with the price of your life insurance. What matters most? Turtleneck makes this difference even bigger and life insurance a no brainer.
GET YOUR OFFER NOW
 
Frequently Asked QuestionsThere are no dumb questions
Turtleneck is an insurance, as it was 200 years ago. It is about people mutually and transparently protecting each other. There is no actuary actually trying to estimate your chance of living a long life, instead we look at what happens to our members.
Yes, you can cancel Turtleneck at any time and have the balance of your wallet reimbursed.
Since we charge death cases only when they happen and not based on statistics, nothing could be cheaper than Turtleneck.
Starting a membership on Turtleneck is very quick. It can be done online and you see immediate quotes.
Yes, you can. You should choose your coverage according to your needs. The more coverage you require, the higher your initial payment and supportive contributions will be.
The exact amount will be communicated at the beginning of every year and depends on how many claims have been regulated during the previous year and your age. The maximal amount will be communicated at the time of subscription.
Members with increased risk, who are older, or who have more coverage, will be asked to contribute more.
Turtleneck Instant covers only from accidental death, but it can be subscribed by everyone within one minute.
Turtleneck is managed by Squarelife, a regulated life insurance company. Behind turtleneck there are also the big names in the reinsurance industry.
 
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