{"id":6206,"date":"2019-11-25T05:33:35","date_gmt":"2019-11-25T05:33:35","guid":{"rendered":"http:\/\/consulting.stylemixthemes.com\/demo\/?page_id=6206"},"modified":"2024-12-13T16:34:11","modified_gmt":"2024-12-13T15:34:11","slug":"insurance","status":"publish","type":"page","link":"https:\/\/servisolutions.ch\/fr\/insurance\/","title":{"rendered":"Assurances"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1634549669685{margin-right: 0px !important;margin-left: 0px !important;}&#8221;][vc_column css=&#8221;.vc_custom_1655121198170{background-image: url(https:\/\/servisolutions.ch\/wp-content\/uploads\/2022\/06\/Assurances_Wallpaper-scaled.jpeg?id=9507) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_row_inner el_class=&#8221;mobile_no_paddings&#8221; css=&#8221;.vc_custom_1635419120504{padding-top: 40px !important;padding-right: 40px !important;padding-bottom: 40px !important;padding-left: 40px !important;}&#8221;][vc_column_inner offset=&#8221;vc_col-lg-7&#8243;][\/vc_column_inner][vc_column_inner el_class=&#8221;mobile_no_paddings&#8221; css=&#8221;.vc_custom_1637890840528{margin-top: 15% !important;margin-right: 25% !important;margin-bottom: 10% !important;padding-top: 5% !important;padding-right: 5% !important;padding-bottom: 5% !important;padding-left: 5% !important;background-color: rgba(10,14,48,0.9) !important;*background-color: rgb(10,14,48) !important;}&#8221; offset=&#8221;vc_col-lg-5&#8243;][stm_quote box_color=&#8221;custom&#8221; quote=&#8221;Serv &amp; Solutions GmbH est un agent li\u00e9 de GENERALI et du Groupe Mutuel et agit pour le compte de Generali et du Groupe Mutuel.<\/p>\n<p>\u201cLes meilleures assurances pour que vous puissiez vivre une vie sans soucis et en toute s\u00e9curit\u00e9.\u201d&#8221; author_status=&#8221;Services Administratifs&#8221; box_color_custom=&#8221;#ffffff&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1635330809667{padding-right: 0px !important;padding-left: 0px !important;background-color: #141e3c !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][vc_tta_tabs style=&#8221;modern&#8221; color=&#8221;orange&#8221; spacing=&#8221;&#8221; alignment=&#8221;center&#8221; active_section=&#8221;1&#8243; css=&#8221;.vc_custom_1658482688009{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: rgba(0,0,0,0.09) !important;*background-color: rgb(0,0,0) !important;}&#8221;][vc_tta_section i_icon_fontawesome=&#8221;fas fa-baby&#8221; add_icon=&#8221;true&#8221; title=&#8221;Protection Familiale&#8221; tab_id=&#8221;1633542515296-98c3e16f-f6a0&#8243;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1637889229500{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_inner][vc_empty_space][vc_custom_heading text=&#8221;Protection Familiale&#8221; font_container=&#8221;tag:h3|text_align:center|color:%23fdc60e&#8221; css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1637772617811{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_col-lg-2 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner offset=&#8221;vc_col-lg-4 vc_col-md-4&#8243;][vc_column_text css_animation=&#8221;fadeInLeft&#8221;]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Si votre objectif est d&#8217;optimiser le rendement de votre capital disponible ou de faire des \u00e9conomies r\u00e9guli\u00e8res, Serv &amp; Solutions GmbH vous propose un ensemble de solutions dans le cadre favorable de l&#8217;assurance-vie.<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Le syst\u00e8me social suisse se compose de trois piliers :<\/p>\n<ul style=\"text-align: justify;\">\n<li id=\"tw-target-text\" dir=\"ltr\" data-placeholder=\"Traduction\">Les 1er et 2\u00e8me piliers sont destin\u00e9s \u00e0 couvrir les besoins essentiels en mati\u00e8re de protection sociale.<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Le 3\u00e8me pilier est \u00e0 la charge de chaque r\u00e9sident sur le territoire suisse. Serv &amp; Solutions GmbH vend des assurances vie en Suisse dans le cadre du 3\u00e8me pilier<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243; offset=&#8221;vc_col-lg-4 vc_col-md-4&#8243;][vc_column_text css_animation=&#8221;fadeInRight&#8221;]Selon les besoins, les \u00e9checs des 1er et 2e piliers tendent \u00e0 augmenter de plus en plus. Ainsi, il est tr\u00e8s important d&#8217;avoir, en Suisse, une protection compl\u00e9mentaire, au titre du 3e pilier, pour la retraite, le d\u00e9c\u00e8s, l&#8217;invalidit\u00e9 et l&#8217;incapacit\u00e9.<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Il existe deux possibilit\u00e9s par rapport au 3e pilier:<\/p>\n<ul>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Le troisi\u00e8me pilier li\u00e9 (Pilier 3a)<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Le troisi\u00e8me pilier libre (Pilier 3b).<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-2 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner][\/vc_column_inner][vc_column_inner offset=&#8221;vc_col-lg-2 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner offset=&#8221;vc_col-lg-8 vc_col-md-8&#8243;][vc_empty_space][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Le syst\u00e8me \u00e0 trois piliers existe dans plusieurs pays du monde. Par exemple, en Allemagne et au Royaume-Uni, 90% des revenus des retrait\u00e9s proviennent des 1er et 2e piliers et seulement 10% du 3e pilier. En Suisse, les 1er et 2\u00e8me piliers ne repr\u00e9sentent que 74% et le 3\u00e8me 26%.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner offset=&#8221;vc_col-lg-2&#8243;][\/vc_column_inner][vc_column_inner css=&#8221;.vc_custom_1637861774812{padding-right: 25% !important;padding-left: 25% !important;background-image: url(https:\/\/servisolutions.ch\/wp-content\/uploads\/2020\/10\/protecao-familiar.jpg?id=7922) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_empty_space][vc_empty_space][vc_custom_heading text=&#8221;Faites des \u00e9conomies&#8221; font_container=&#8221;tag:h3|text_align:center|color:%23fdc60e&#8221; css=&#8221;.vc_custom_1637861819145{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;B\u00e9n\u00e9ficiez des d\u00e9ductions fiscales avec un 3e pilier et \u00e9conomisez environ 4000 francs par an.&#8221; font_container=&#8221;tag:h4|text_align:center|color:%23486173&#8243; google_fonts=&#8221;font_family:Playfair%20Display%3Aregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1603207650568{margin-bottom: -20px !important;}&#8221; subtitle_color=&#8221;#486173&#8243;][vc_empty_space][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_empty_space][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" data-placeholder=\"Traduction\">Caract\u00e9ristiques Pr\u00e9voyance Li\u00e9e (Pilier 3a)<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">La principale caract\u00e9ristique du pilier 3a r\u00e9side dans les privil\u00e8ges fiscaux. Selon la loi, les contributions au pilier 3a sont d\u00e9ductibles d&#8217;imp\u00f4t. En revanche, les prestations sont int\u00e9gralement impos\u00e9es, comme pour le 2e pilier. Un individu ne peut \u00e0 aucun moment disposer librement de ses actifs du 3e pilier.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les diff\u00e9rentes formes de s\u00e9curit\u00e9 sociale pr\u00e9vues dans le cadre du pilier 3a peuvent \u00eatre mises en \u0153uvre par toute personne exer\u00e7ant une activit\u00e9 lucrative. Pour les salari\u00e9s, ils constituent un compl\u00e9ment int\u00e9ressant aux 1er et 2\u00e8me piliers.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">En ce qui concerne les ind\u00e9pendants, qui ne sont pas soumis au 2e pilier, ils rev\u00eatent une importance particuli\u00e8re dans la mesure o\u00f9 ils exercent les fonctions du 2e pilier. Les personnes percevant des allocations de ch\u00f4mage peuvent \u00e9galement souscrire \u00e0 un 3e pilier.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_empty_space][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" data-placeholder=\"Traduction\">Paiement des prestations (3\u00e8me Pilier &#8220;A&#8221;)<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les prestations de retraite peuvent \u00eatre vers\u00e9es jusqu&#8217;\u00e0 cinq ans avant que l&#8217;assur\u00e9 atteigne l&#8217;\u00e2ge normal de la retraite de l&#8217;AVS (65 ans pour les hommes et 64 ans pour les femmes) et pas plus de cinq ans plus tard :<\/p>\n<p style=\"text-align: justify;\">Le paiement anticip\u00e9 des prestations de retraite est possible dans les cas suivants:<\/p>\n<ul>\n<li style=\"text-align: justify;\">Le paiement sert \u00e0 acheter des cotisations \u00e0 une institution de s\u00e9curit\u00e9 sociale du 2e pilier<\/li>\n<li style=\"text-align: justify;\">Le pensionn\u00e9 b\u00e9n\u00e9ficie d&#8217;une pension d&#8217;invalidit\u00e9 compl\u00e8te de l&#8217;assurance invalidit\u00e9 f\u00e9d\u00e9rale et le risque d&#8217;invalidit\u00e9 n&#8217;est pas assur\u00e9<\/li>\n<li style=\"text-align: justify;\">Le retrait\u00e9 change son activit\u00e9 rentable ind\u00e9pendante<\/li>\n<li style=\"text-align: justify;\">Le preneur d&#8217;assurance s&#8217;\u00e9tablit<\/li>\n<li style=\"text-align: justify;\">Le retrait\u00e9 quitte d\u00e9finitivement la Suisse<\/li>\n<li style=\"text-align: justify;\">Le paiement anticip\u00e9 est utilis\u00e9 pour acheter un logement \u00e0 ses propres fins ou pour rembourser des pr\u00eats hypoth\u00e9caires.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1655115356123{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;background-image: url(https:\/\/servisolutions.ch\/wp-content\/uploads\/2022\/06\/Assurances3emepilier-scaled.jpeg?id=9467) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1634736298079{margin-top: 50px !important;margin-right: 25px !important;margin-bottom: 25px !important;margin-left: 25px !important;background-color: rgba(255,255,255,0.8) !important;*background-color: rgb(255,255,255) !important;}&#8221;][vc_empty_space][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">B\u00e9n\u00e9ficiaires du 3\u00e8me Pilier &#8220;A&#8221;<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les personnes suivantes sont consid\u00e9r\u00e9es comme des b\u00e9n\u00e9ficiaires:<\/p>\n<ul>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">En cas de vie, l&#8217;assur\u00e9<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">En cas de d\u00e9c\u00e8s du preneur d&#8217;assurance, les personnes \u00e9num\u00e9r\u00e9es ci-dessous, dans l&#8217;ordre suivant:\n<ul>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Le conjoint survivant ou le partenaire enregistr\u00e9 survivant<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les descendants directs ainsi que les personnes \u00e0 charge substantielle du d\u00e9funt, ou la personne avec laquelle ils ont v\u00e9cu en communaut\u00e9 pendant au moins cinq ann\u00e9es cons\u00e9cutives avant le d\u00e9c\u00e8s ou qui doit \u00e9lever un ou plusieurs enfants en commun<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Parents<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Fr\u00e8res et s\u0153urs<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les autres h\u00e9ritiers<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1634736309974{margin-top: 50px !important;margin-right: 25px !important;margin-bottom: 25px !important;margin-left: 25px !important;background-color: rgba(255,255,255,0.8) !important;*background-color: rgb(255,255,255) !important;}&#8221;][vc_empty_space][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">D\u00e9ductions fiscales du 3\u00e8me Pilier &#8220;A&#8221;<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les salari\u00e9s et les ind\u00e9pendants peuvent d\u00e9duire de leur revenu en 2013, au titre des imp\u00f4ts directs de la Conf\u00e9d\u00e9ration, des cantons et des communes, les cotisations vers\u00e9es pour le 3\u00e8me pilier a selon la r\u00e8gle suivante:<\/p>\n<ul>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">6&#8217;768 francs par an s&#8217;ils sont affili\u00e9s \u00e0 une institution sociale du 2e pilier<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">33&#8217;840 francs par an s&#8217;ils ne sont pas affili\u00e9s \u00e0 une institution sociale du 2e pilier. Les cotisations peuvent \u00eatre pay\u00e9es jusqu&#8217;\u00e0 cinq ans apr\u00e8s l&#8217;\u00e2ge normal de la retraite d&#8217;AVS.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1634736315879{margin-top: 25px !important;margin-right: 25px !important;margin-bottom: 50px !important;margin-left: 25px !important;background-color: rgba(255,255,255,0.8) !important;*background-color: rgb(255,255,255) !important;}&#8221;][vc_empty_space][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">3\u00e8me Pilier accessible \u00e0 la population active apr\u00e8s l&#8217;\u00e2ge de la retraite<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Bern, 17.10.2007 &#8211; Afin d&#8217;encourager les travailleurs \u00e2g\u00e9s \u00e0 rester sur le march\u00e9 du travail, le Conseil F\u00e9d\u00e9ral a d\u00e9cid\u00e9 que les femmes et les hommes qui continuent \u00e0 travailler au-del\u00e0 de l&#8217;\u00e2ge normal de la retraite peuvent reporter le versement des prestations de retraite du 3\u00e8me pilier jusqu&#8217;\u00e0 ce qu&#8217;ils cessent leur activit\u00e9.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Ce report est possible pour 5 ans ou plus. Tant qu&#8217;ils exercent une activit\u00e9 lucrative, ils peuvent \u00e9galement continuer \u00e0 contribuer pendant 5 ans \u00e0 un 3e pilier fiscalement privil\u00e9gi\u00e9. En ce sens, le Conseil F\u00e9d\u00e9ral a modifi\u00e9 le d\u00e9cret-loi sur les d\u00e9ductions fiscales admises pour les cotisations vers\u00e9es aux r\u00e9gimes de retraite reconnus (OPP 3), avec effet au 1er janvier 2008.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1634736321733{margin-top: 25px !important;margin-right: 25px !important;margin-bottom: 50px !important;margin-left: 25px !important;background-color: rgba(255,255,255,0.8) !important;*background-color: rgb(255,255,255) !important;}&#8221;][vc_empty_space][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">Caract\u00e9ristiques de la pension gratuite (Pilier 3B)<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">En ce qui concerne le pilier 3b, les cotisations ne sont d\u00e9ductibles d&#8217;imp\u00f4t que dans certains cantons.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">En revanche, une police d&#8217;assurance sous le r\u00e9gime du pilier 3b peut \u00eatre souscrite m\u00eame par ceux qui n&#8217;ont pas une activit\u00e9 rentable en Suisse et les b\u00e9n\u00e9ficiaires peuvent \u00eatre choisis librement par l&#8217;assur\u00e9, sans les restrictions du pilier 3a.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les restrictions existantes sur le paiement des prestations existant dans le 3e pilier \u00abA\u00bb n&#8217;existent pas dans le 3e pilier \u00abB\u00bb.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1633547954926{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_inner][vc_empty_space][vc_custom_heading text=&#8221;Prot\u00e9gez votre famille !&#8221; font_container=&#8221;tag:h4|text_align:center|color:%23fdc60e&#8221; css=&#8221;.vc_custom_1634736750789{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;Faites des \u00e9conomies !<br \/>\nAssurez votre avenir et celui de votre famille&#8221; font_container=&#8221;tag:h4|text_align:center|color:%23486173&#8243; google_fonts=&#8221;font_family:Playfair%20Display%3Aregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1603207746385{margin-bottom: -20px !important;}&#8221; subtitle_color=&#8221;#486173&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_empty_space][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" data-placeholder=\"Traduction\">\u00c9pargne Jeunesse<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Appliquez les \u00e9conomies de vos enfants.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">L&#8217;\u00e9pargne jeunesse est la solution id\u00e9ale lorsque vous souhaitez commencer \u00e0 \u00e9pargner pour vos enfants ou petits-enfants, afin qu&#8217;ils aient de l&#8217;argent pour les premiers projets de l&#8217;\u00e2ge adulte.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Ce type d&#8217;\u00e9pargne offre un rendement plus \u00e9lev\u00e9 que les comptes bancaires traditionnels, et en m\u00eame temps peut \u00e9galement vous garantir un capital imm\u00e9diat en cas de d\u00e9c\u00e8s d&#8217;un souscripteur, ce qui est tr\u00e8s utile pour aider \u00e0 payer les \u00e9tudes ou l&#8217;\u00e9ducation des enfants.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">De cette fa\u00e7on, l&#8217;avenir de vos enfants est garanti!<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_empty_space][vc_column_text]<\/p>\n<h4>\u00c9pargne Retraite<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">L&#8217;avenir est toujours inconnu, mais quand nous y r\u00e9fl\u00e9chissons, nous imaginons toujours ce que le bien peut nous arriver. Cependant, un examen plus attentif nous montre qu&#8217;en cas de d\u00e9c\u00e8s, ce sont les plus proches qui en souffrent directement.<\/p>\n<p style=\"text-align: justify;\">Serv &amp; Solutions GmbH trouve pour vous un plan o\u00f9 tout est pr\u00e9vu et qui vise \u00e0 prot\u00e9ger votre bien-\u00eatre et le niveau de vie de votre famille, en l&#8217;absence de votre principal soutien \u00e9conomique ou si vous \u00eates affect\u00e9 par un handicap, un handicap ou une maladie grave.<\/p>\n<p style=\"text-align: justify;\">Avec un petit investissement, vous pouvez avoir de bons rendements, et vous pouvez \u00e9galement profiter d&#8217;une r\u00e9duction des imp\u00f4ts qui peut aller jusqu&#8217;\u00e0 38% par an. Ainsi, vous pouvez affronter le pr\u00e9sent repos\u00e9 car l&#8217;avenir, quoi qu&#8217;il arrive, sera le leur.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-briefcase-medical&#8221; add_icon=&#8221;true&#8221; title=&#8221;Assurance Maladie&#8221; tab_id=&#8221;1633542515398-e9461d26-88d4&#8243;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column_inner][vc_empty_space][vc_custom_heading text=&#8221;Assurance Maladie&#8221; font_container=&#8221;tag:h3|text_align:center|color:%23fdc60e&#8221; css=&#8221;.vc_custom_1602691501926{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; css=&#8221;.vc_custom_1637849173816{padding-right: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243;][vc_column_text css_animation=&#8221;fadeInLeft&#8221;]<\/p>\n<p style=\"text-align: justify;\">Conform\u00e9ment \u00e0 la loi, l&#8217;assurance maladie (couverture de base) est obligatoire pour toutes les personnes r\u00e9sidant en Suisse.<\/p>\n<p>[\/vc_column_text][vc_column_text css_animation=&#8221;fadeInLeft&#8221;]<\/p>\n<p style=\"text-align: justify;\">Comme tout produit de base, celui-ci pr\u00e9sente \u00e9galement des lacunes et des limites qui peuvent et doivent \u00eatre combl\u00e9es par des couvertures compl\u00e9mentaires.<\/p>\n<p>[\/vc_column_text][vc_column_text css_animation=&#8221;fadeInLeft&#8221;]<\/p>\n<p style=\"text-align: justify;\">\u00c0 la fin de chaque ann\u00e9e, les entreprises annoncent de nouveaux tarifs d&#8217;assurance maladie. Ainsi, il est important d&#8217;\u00eatre bien conseill\u00e9, car il y a plusieurs aspects \u00e0 analyser, en plus du prix.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243; css=&#8221;.vc_custom_1637849262565{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_single_image image=&#8221;9469&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css_animation=&#8221;fadeInRight&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; offset=&#8221;vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column_inner][vc_empty_space][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-user-tie&#8221; add_icon=&#8221;true&#8221; title=&#8221;Responsabilit\u00e9 Civile&#8221; tab_id=&#8221;1633542529790-16cf5c45-ac29&#8243;][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner css=&#8221;.vc_custom_1634737793666{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_empty_space][vc_custom_heading text=&#8221;Responsabilit\u00e9 Civile&#8221; font_container=&#8221;tag:h3|text_align:center|color:%23fdc60e&#8221; css=&#8221;.vc_custom_1602693596439{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243; css=&#8221;.vc_custom_1637849578205{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_single_image image=&#8221;9528&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css_animation=&#8221;fadeInLeft&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1637849582161{padding-right: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243;][vc_column_text css_animation=&#8221;fadeInRight&#8221;]<\/p>\n<p style=\"text-align: justify;\">Individuel :<\/p>\n<ul>\n<li>\n<p style=\"text-align: justify;\">Pr\u00e9venez les dommages corporels et \/ ou mat\u00e9riels que vous pourriez causer \u00e0 des tiers.<\/p>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css_animation=&#8221;fadeInRight&#8221;]<\/p>\n<p style=\"text-align: justify;\">Famille :<\/p>\n<ul>\n<li style=\"text-align: justify;\">Cette couverture couvre les membres de la famille (enfants mineurs \u00e0 charge, en \u00e9tudes ou en formation professionnelle jusqu&#8217;\u00e0 25 ans) ainsi que les personnes vivant avec leur famille (cohabitation), pour les dommages corporels ou mat\u00e9riels provoqu\u00e9s \u00e0 des tiers. L&#8217;assurance v\u00e9lo est \u00e9galement comprise.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner css=&#8221;.vc_custom_1634737793666{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_empty_space][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-car&#8221; add_icon=&#8221;true&#8221; title=&#8221;Assurance Voiture&#8221; tab_id=&#8221;1633542531425-5a3b589d-4ca3&#8243;][vc_empty_space][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;Assurance Voiture&#8221; font_container=&#8221;tag:h3|text_align:center|color:%23fdc60e&#8221; css=&#8221;.vc_custom_1637592337159{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_empty_space][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column_inner css=&#8221;.vc_custom_1634803503416{margin-left: 25px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1637849638837{padding-right: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243;][vc_single_image image=&#8221;9470&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css_animation=&#8221;fadeInLeft&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1637849645163{padding-right: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243;][vc_column_text css_animation=&#8221;fadeInRight&#8221;]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: left;\" data-placeholder=\"Traduction\">Un accident arrive quand on s&#8217;y attend le moins<\/h4>\n<p style=\"text-align: justify;\">Responsabilit\u00e9 civile:<\/p>\n<ul style=\"text-align: justify;\">\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Garantit le paiement d&#8217;une indemnit\u00e9 pour les dommages personnels.<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Garantit le paiement d&#8217;une indemnit\u00e9 pour les dommages mat\u00e9riels caus\u00e9s \u00e0 des tiers.<\/li>\n<\/ul>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Assurance partielle :<\/p>\n<ul style=\"text-align: justify;\">\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Vol, incendie<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Bris de glaces<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Vandalisme<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Martre<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Dommages naturels<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Fouines, collision avec des animaux<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column_inner css=&#8221;.vc_custom_1634803503416{margin-left: 25px !important;}&#8221;][vc_empty_space][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column_inner width=&#8221;1\/4&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1637850154412{padding-right: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243;][vc_column_text css_animation=&#8221;fadeInLeft&#8221;]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: left;\" data-placeholder=\"Traduction\">Roulez en toute s\u00e9curit\u00e9<\/h4>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Assurance Compl\u00e8te :<\/p>\n<ul style=\"text-align: justify;\">\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Couvre les dommages \u00e0 votre propre voiture, caus\u00e9s par un choc et une collision avec des tiers identifi\u00e9s.<\/li>\n<\/ul>\n<p dir=\"ltr\" style=\"text-align: left;\" data-placeholder=\"Traduction\">Couverture \u00abDommages au stationnement\u00bb:<\/p>\n<ul style=\"text-align: justify;\">\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Couvre les dommages caus\u00e9s \u00e0 votre voiture par des tiers non identifi\u00e9s.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Protection bonus:<\/p>\n<ul style=\"text-align: justify;\">\n<li>En cas de r\u00e9clamation, votre assurance n&#8217;augmentera pas.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Faute grave :<\/p>\n<ul style=\"text-align: justify;\">\n<li>Protection contre une \u00e9ventuelle n\u00e9gligence.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Assistance voyage:<\/p>\n<ul>\n<li style=\"text-align: justify;\">Couvre les pannes ou accidents potentiels lors d&#8217;un voyage<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1637850160460{padding-right: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243;][vc_single_image image=&#8221;9471&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css_animation=&#8221;fadeInRight&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_empty_space][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-home&#8221; add_icon=&#8221;true&#8221; title=&#8221;Assurance M\u00e9nage&#8221; tab_id=&#8221;1633542530509-549ae193-4d7e&#8221;][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner css=&#8221;.vc_custom_1634737887789{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_empty_space][vc_custom_heading text=&#8221;Assurance M\u00e9nage&#8221; font_container=&#8221;tag:h3|text_align:center|color:%23fdc60e&#8221; css=&#8221;.vc_custom_1602693617542{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1637849673837{padding-right: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243;][vc_single_image image=&#8221;9472&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css_animation=&#8221;fadeInLeft&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1637849682559{padding-right: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243;][vc_column_text css_animation=&#8221;fadeInRight&#8221;]<\/p>\n<p style=\"text-align: justify;\">L&#8217;assurance multirisque et habitation vous permet d&#8217;assurer vos biens personnels :<\/p>\n<ul style=\"text-align: justify;\">\n<li>Meubles, v\u00eatements, vaisselle, mat\u00e9riel, \u00e9lectronique, v\u00e9los m\u00eame en location ou en leasing<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Ou des dommages caus\u00e9s par :<\/p>\n<ul>\n<li style=\"text-align: justify;\">Incendies, foudre ou explosions (comprends les effets de la fum\u00e9e)<\/li>\n<li style=\"text-align: justify;\">Ph\u00e9nom\u00e8nes de la nature (inondations, gr\u00eale)<\/li>\n<li style=\"text-align: justify;\">Tremblement de terre<\/li>\n<li style=\"text-align: justify;\">Inondations (d\u00e9g\u00e2ts d&#8217;eau)<\/li>\n<li style=\"text-align: justify;\">Casse de verres isol\u00e9s (provenant de meubles ou de biens)<\/li>\n<li style=\"text-align: justify;\">Vols (int\u00e9rieur et ext\u00e9rieur)<\/li>\n<li style=\"text-align: justify;\">Casse de t\u00e9l\u00e9phones, PC&#8217;s, tablettes, t\u00e9l\u00e9visions, etc..<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner css=&#8221;.vc_custom_1634737887789{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_empty_space][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-gavel&#8221; add_icon=&#8221;true&#8221; title=&#8221;Protection Juridique&#8221; tab_id=&#8221;1633542536641-822c12eb-8d10&#8243;][vc_row_inner][vc_column_inner][vc_empty_space][vc_custom_heading text=&#8221;Protection Juridique&#8221; font_container=&#8221;tag:h3|text_align:center|color:%23fdc60e&#8221; css=&#8221;.vc_custom_1603190186991{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Ayez toujours la d\u00e9fense de vos droits \u00e0 port\u00e9e de main et \u00e0 un co\u00fbt r\u00e9duit.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243; css=&#8221;.vc_custom_1637854654784{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_column_text css_animation=&#8221;fadeInLeft&#8221;]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: left;\" data-placeholder=\"Traduction\">Droits priv\u00e9s<\/h4>\n<ul>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droit civil: r\u00e9clamations r\u00e9sultant de dommages personnels ou mat\u00e9riels<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droit sur le contrat de location<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droit de voisinage<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Loi sur le contrat d&#8217;assurance<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droits des consommateurs (achat, vente, cr\u00e9dit-bail)<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droit du travail<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Loi criminelle<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Divorces<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Contrat d&#8217;entreprise (travaux effectu\u00e9s \u00e0 votre domicile).<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243; css=&#8221;.vc_custom_1637854649414{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_single_image image=&#8221;9473&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css_animation=&#8221;fadeInRight&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_empty_space][vc_empty_space][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243; css=&#8221;.vc_custom_1637854828892{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_single_image image=&#8221;9474&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css_animation=&#8221;fadeInLeft&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243; css=&#8221;.vc_custom_1637854823623{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_column_text css_animation=&#8221;fadeInRight&#8221;]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: left;\" data-placeholder=\"Traduction\">Circulation<\/h4>\n<ul>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droit civil: r\u00e9clamations r\u00e9sultant de dommages personnels ou mat\u00e9riels<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Loi sur les contrats d&#8217;assurance<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droit administratif (permis de conduire saisi)<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Contrat relatif \u00e0 l&#8217;achat d&#8217;un v\u00e9hicule (achat, vente, location ou r\u00e9paration)<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Loi criminelle<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner][vc_empty_space][vc_column_text]<\/p>\n<p dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">Prot\u00e9gez-vous des cons\u00e9quences co\u00fbteuses qu&#8217;un simple litige peut entra\u00eener.<\/p>\n<p dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">L&#8217;assurance protection juridique prend en charge la proc\u00e9dure n\u00e9cessaire pour d\u00e9fendre vos droits.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-building&#8221; add_icon=&#8221;true&#8221; title=&#8221;Assurances Entreprise&#8221; tab_id=&#8221;1633542537273-4879c524-ff4d&#8221;][vc_row_inner][vc_column_inner css=&#8221;.vc_custom_1634804078974{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_empty_space][vc_custom_heading text=&#8221;Assurances Entreprise&#8221; font_container=&#8221;tag:h3|text_align:center|color:%23fdc60e&#8221; css=&#8221;.vc_custom_1602693660738{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1637849833734{padding-right: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243;][vc_single_image image=&#8221;9475&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css_animation=&#8221;fadeInLeft&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1637849725843{padding-right: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243;][vc_column_text css_animation=&#8221;fadeInRight&#8221;]<\/p>\n<p style=\"text-align: justify;\">Serv &amp; Solutions GmbH a la solution pour votre entreprise :<\/p>\n<ul>\n<li style=\"text-align: justify;\">Caisse de pension<\/li>\n<li style=\"text-align: justify;\">Accidents<\/li>\n<li style=\"text-align: justify;\">Perte de salaire<\/li>\n<li style=\"text-align: justify;\">RC Entreprises<\/li>\n<li style=\"text-align: justify;\">Assurance flotte voitures<\/li>\n<li style=\"text-align: justify;\">Assurance employ\u00e9s<\/li>\n<li style=\"text-align: justify;\">Protection Juridique<\/li>\n<li style=\"text-align: justify;\">Assurances Immobilier \/ Cambriolages \/Incendies \/ Inondations<\/li>\n<li style=\"text-align: justify;\">etc..<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner css=&#8221;.vc_custom_1634804078974{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_empty_space][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-globe-europe&#8221; add_icon=&#8221;true&#8221; title=&#8221;Assurances Portugal&#8221; tab_id=&#8221;1633542538194-d49e6f2b-5df3&#8243;][vc_row_inner][vc_column_inner css=&#8221;.vc_custom_1634804221794{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_empty_space][vc_custom_heading text=&#8221;Assurances au Portugal&#8221; font_container=&#8221;tag:h3|text_align:center|color:%23fdc60e&#8221; css=&#8221;.vc_custom_1602693671714{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1637849752452{padding-right: 10% !important;padding-left: 10% !important;}&#8221; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243;][vc_column_text css_animation=&#8221;fadeInLeft&#8221;]<\/p>\n<p style=\"text-align: justify;\">Vous retournez au Portugal ? Ou vous souhaitez assurer vos biens au Portugal ? Alors n&#8217;h\u00e9sitez pas \u00e0 nous contacter.<\/p>\n<p>[\/vc_column_text][vc_column_text css_animation=&#8221;fadeInLeft&#8221;]<\/p>\n<p style=\"text-align: justify;\">En pensant \u00e0 nos clients, Serv &amp; Solutions GmbH, en partenariat avec AGEAS, vous donne d\u00e9sormais la possibilit\u00e9 de souscrire \u00e0 une assurance au Portugal dans tous les domaines :<\/p>\n<ul>\n<li style=\"text-align: justify;\">Maison<\/li>\n<li style=\"text-align: justify;\">Voiture<\/li>\n<li style=\"text-align: justify;\">\u00c9pargne pour la retraite<\/li>\n<li style=\"text-align: justify;\">Sant\u00e9<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css_animation=&#8221;fadeInLeft&#8221;]Serv &amp; Solutions GmbH est toujours \u00e0 vos c\u00f4t\u00e9s \u00e0 tout moment[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; offset=&#8221;vc_col-lg-5 vc_col-md-6&#8243; css=&#8221;.vc_custom_1637849827865{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_single_image image=&#8221;9476&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css_animation=&#8221;fadeInRight&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243; offset=&#8221;vc_col-lg-1 vc_hidden-md vc_hidden-sm vc_hidden-xs&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner css=&#8221;.vc_custom_1634804221794{padding-right: 10% !important;padding-left: 10% !important;}&#8221;][vc_empty_space][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1635436100919{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #141e3c !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column offset=&#8221;vc_hidden-lg vc_hidden-md&#8221; css=&#8221;.vc_custom_1635436109053{margin-right: 0px !important;margin-left: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_tta_tabs style=&#8221;modern&#8221; color=&#8221;orange&#8221; spacing=&#8221;&#8221; active_section=&#8221;&#8221; css=&#8221;.vc_custom_1638185198620{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-color: rgba(0,0,0,0.09) !important;*background-color: rgb(0,0,0) !important;}&#8221; el_id=&#8221;pg_sec_assurances&#8221;][vc_tta_section i_icon_fontawesome=&#8221;fas fa-briefcase-medical&#8221; add_icon=&#8221;true&#8221; title=&#8221;Assurance Maladie&#8221; tab_id=&#8221;1635419567399-6b056253-c621&#8243;][vc_row_inner css=&#8221;.vc_custom_1638199520367{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_inner css=&#8221;.vc_custom_1638199448436{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221; offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221;][vc_empty_space][vc_single_image image=&#8221;9469&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][vc_empty_space][\/vc_column_inner][vc_column_inner offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-xs&#8221;][vc_empty_space][vc_single_image image=&#8221;9469&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1635505901663{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_inner css=&#8221;.vc_custom_1635437043302{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">Conform\u00e9ment \u00e0 la loi, l&#8217;assurance maladie (couverture de base) est obligatoire pour toutes les personnes r\u00e9sidant en Suisse,<\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">Comme tout produit de base, celui-ci pr\u00e9sente \u00e9galement des lacunes et des limites qui peuvent et doivent \u00eatre combl\u00e9es par des couvertures compl\u00e9mentaires.<\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">\u00c0 la fin de chaque ann\u00e9e, les entreprises annoncent de nouveaux tarifs d&#8217;assurance maladie. Ainsi, il est important d&#8217;\u00eatre bien conseill\u00e9, car il y a plusieurs aspects \u00e0 analyser, en plus du prix.<\/p>\n<p>[\/vc_column_text][vc_empty_space][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;Contactez-nous&#8221; font_container=&#8221;tag:h2|text_align:center|color:%23fcc100&#8243; link=&#8221;url:%23contact_footer|||&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-user-tie&#8221; add_icon=&#8221;true&#8221; title=&#8221;Responsabilit\u00e9 Civile&#8221; tab_id=&#8221;1635419568184-f54514f3-df74&#8243;][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1635506055149{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_inner css=&#8221;.vc_custom_1638198229094{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221; offset=&#8221;vc_hidden-sm&#8221;][vc_empty_space][vc_single_image image=&#8221;9528&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][vc_column_inner offset=&#8221;vc_hidden-xs&#8221;][vc_empty_space][vc_single_image image=&#8221;9528&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1635506055149{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_inner css=&#8221;.vc_custom_1635505993258{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">Individuel :<\/p>\n<ul>\n<li>\n<p style=\"text-align: justify;\">Pr\u00e9venez les dommages corporels et \/ ou mat\u00e9riels que vous pourriez causer \u00e0 des tiers.<\/p>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">Famille :<\/p>\n<ul>\n<li style=\"text-align: justify;\">Cette couverture couvre les membres de la famille (enfants mineurs \u00e0 charge, en \u00e9tudes ou en formation professionnelle jusqu&#8217;\u00e0 25 ans) ainsi que les personnes vivant avec leur famille (cohabitation), pour les dommages corporels ou mat\u00e9riels provoqu\u00e9s \u00e0 des tiers. L&#8217;assurance v\u00e9lo est \u00e9galement comprise.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;Contactez-nous&#8221; font_container=&#8221;tag:h2|text_align:center|color:%23fcc100&#8243; link=&#8221;url:%23contact_footer|||&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-car&#8221; add_icon=&#8221;true&#8221; title=&#8221;Assurance Voiture&#8221; tab_id=&#8221;1635419568840-04348723-799b&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221;][vc_column_inner offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221;][vc_empty_space][vc_single_image image=&#8221;9470&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221;][vc_column_inner offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-xs&#8221;][vc_empty_space][vc_single_image image=&#8221;9470&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221;][vc_column_inner][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Un accident arrive quand on s&#8217;y attend le moins !!!<\/p>\n<p style=\"text-align: justify;\">Responsabilit\u00e9 civile:<\/p>\n<ul style=\"text-align: justify;\">\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Garantit le paiement d&#8217;une indemnit\u00e9 pour les dommages personnels.<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Garantit le paiement d&#8217;une indemnit\u00e9 pour les dommages mat\u00e9riels caus\u00e9s \u00e0 des tiers.<\/li>\n<\/ul>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Assurance partielle :<\/p>\n<ul style=\"text-align: justify;\">\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Vol<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Incendie<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Bris de glaces<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Vandalisme<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Martre<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Dommages naturels<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Fouines<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Collision avec des animaux<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner][vc_empty_space][vc_single_image image=&#8221;9471&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][vc_column_text]<\/p>\n<p dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">Roulez en toute s\u00e9curit\u00e9 !!!<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Assurance Compl\u00e8te :<\/p>\n<ul style=\"text-align: justify;\">\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Couvre les dommages \u00e0 votre propre voiture, caus\u00e9s par un choc et une collision avec des tiers identifi\u00e9s.<\/li>\n<\/ul>\n<p dir=\"ltr\" style=\"text-align: left;\" data-placeholder=\"Traduction\">Couverture \u00abDommages au stationnement\u00bb:<\/p>\n<ul style=\"text-align: justify;\">\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Couvre les dommages caus\u00e9s \u00e0 votre voiture par des tiers non identifi\u00e9s.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Protection bonus:<\/p>\n<ul style=\"text-align: justify;\">\n<li>En cas de r\u00e9clamation, votre assurance n&#8217;augmentera pas.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Faute grave :<\/p>\n<ul style=\"text-align: justify;\">\n<li>Protection contre une \u00e9ventuelle n\u00e9gligence.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Assistance voyage:<\/p>\n<ul>\n<li style=\"text-align: justify;\">Couvre les pannes ou accidents potentiels lors d&#8217;un voyage<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;Contactez-nous&#8221; font_container=&#8221;tag:h2|text_align:center|color:%23fcc100&#8243; link=&#8221;url:%23contact_footer|||&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-home&#8221; add_icon=&#8221;true&#8221; title=&#8221;Assurance M\u00e9nage&#8221; tab_id=&#8221;1635419570142-43f997d3-5013&#8243;][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221;][vc_empty_space][vc_single_image image=&#8221;9472&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner offset=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-xs&#8221;][vc_empty_space][vc_single_image image=&#8221;9472&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">L&#8217;assurance multirisque et habitation vous permet d&#8217;assurer vos biens personnels :<\/p>\n<ul style=\"text-align: justify;\">\n<li>Meubles, v\u00eatements, vaisselle, mat\u00e9riel, \u00e9lectronique, v\u00e9los m\u00eame en location ou en leasing<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Ou des dommages caus\u00e9s par :<\/p>\n<ul>\n<li style=\"text-align: justify;\">Incendies, foudre ou explosions (comprends les effets de la fum\u00e9e)<\/li>\n<li style=\"text-align: justify;\">Ph\u00e9nom\u00e8nes de la nature (inondations, gr\u00eale)<\/li>\n<li style=\"text-align: justify;\">Tremblement de terre<\/li>\n<li style=\"text-align: justify;\">Inondations (d\u00e9g\u00e2ts d&#8217;eau)<\/li>\n<li style=\"text-align: justify;\">Casse de verres isol\u00e9s (provenant de meubles ou de biens)<\/li>\n<li style=\"text-align: justify;\">Vols (int\u00e9rieur et ext\u00e9rieur)<\/li>\n<li style=\"text-align: justify;\">Casse de t\u00e9l\u00e9phones, PC&#8217;s, tablettes, t\u00e9l\u00e9visions, etc..<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;Contactez-nous&#8221; font_container=&#8221;tag:h2|text_align:center|color:%23fcc100&#8243; link=&#8221;url:%23contact_footer|||&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-gavel&#8221; add_icon=&#8221;true&#8221; title=&#8221;Protection Juridique&#8221; tab_id=&#8221;1635419570865-3b84d0ed-3868&#8243;][vc_row_inner][vc_column_inner offset=&#8221;vc_hidden-sm&#8221;][vc_empty_space][vc_single_image image=&#8221;9473&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][vc_column_inner offset=&#8221;vc_hidden-xs&#8221;][vc_empty_space][vc_single_image image=&#8221;9473&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][vc_column_inner][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Ayez toujours la d\u00e9fense de vos droits \u00e0 port\u00e9e de main et \u00e0 un co\u00fbt r\u00e9duit.<\/p>\n<p>[\/vc_column_text][vc_column_text css_animation=&#8221;none&#8221;]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droits priv\u00e9s<\/p>\n<ul>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droit civil: r\u00e9clamations r\u00e9sultant de dommages personnels ou mat\u00e9riels<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droit sur le contrat de location<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droit de voisinage<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Loi sur le contrat d&#8217;assurance<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droits des consommateurs (achat, vente, cr\u00e9dit-bail)<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droit du travail<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Loi criminelle<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Divorces<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Contrat d&#8217;entreprise (travaux effectu\u00e9s \u00e0 votre domicile).<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner offset=&#8221;vc_hidden-sm&#8221;][vc_empty_space][vc_single_image image=&#8221;9474&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][vc_column_inner offset=&#8221;vc_hidden-xs&#8221;][vc_empty_space][vc_single_image image=&#8221;9474&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][vc_column_inner][vc_column_text]<\/p>\n<p dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">L&#8217;assurance protection juridique prend en charge la proc\u00e9dure n\u00e9cessaire pour d\u00e9fendre vos droits.<\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Circulation<\/p>\n<ul>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droit civil: r\u00e9clamations r\u00e9sultant de dommages personnels ou mat\u00e9riels<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Loi sur les contrats d&#8217;assurance<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Droit administratif (permis de conduire saisi)<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Contrat relatif \u00e0 l&#8217;achat d&#8217;un v\u00e9hicule (achat, vente, location ou r\u00e9paration)<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Loi criminelle<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;Contactez-nous&#8221; font_container=&#8221;tag:h2|text_align:center|color:%23fcc100&#8243; link=&#8221;url:%23contact_footer|||&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-building&#8221; add_icon=&#8221;true&#8221; title=&#8221;Assurances Entreprise&#8221; tab_id=&#8221;1635419572535-4168c577-cc15&#8243;][vc_row_inner][vc_column_inner offset=&#8221;vc_hidden-sm&#8221;][vc_empty_space][vc_single_image image=&#8221;9475&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner offset=&#8221;vc_hidden-xs&#8221;][vc_empty_space][vc_single_image image=&#8221;9475&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">Serv &amp; Solutions GmbH a la solution pour votre entreprise :<\/p>\n<ul>\n<li>Caisse de pension<\/li>\n<li>Accidents<\/li>\n<li>Perte de salaire<\/li>\n<li>RC Entreprises<\/li>\n<li>Assurance flotte voitures<\/li>\n<li>Assurance employ\u00e9s<\/li>\n<li>Protection Juridique<\/li>\n<li>Assurances Immobilier \/ Cambriolages \/Incendies \/ Inondations<\/li>\n<li>etc..<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;Contactez-nous&#8221; font_container=&#8221;tag:h2|text_align:center|color:%23fcc100&#8243; link=&#8221;url:%23contact_footer|||&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-globe-europe&#8221; add_icon=&#8221;true&#8221; title=&#8221;Assurances Portugal&#8221; tab_id=&#8221;1635419573287-14522ca9-582e&#8221;][vc_row_inner][vc_column_inner offset=&#8221;vc_hidden-sm&#8221;][vc_empty_space][vc_single_image image=&#8221;9476&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner offset=&#8221;vc_hidden-xs&#8221;][vc_empty_space][vc_single_image image=&#8221;9476&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">Vous retournez au Portugal ? Ou vous souhaitez assurer vos biens au Portugal ? Alors n&#8217;h\u00e9sitez pas \u00e0 nous contacter.<\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">En pensant \u00e0 nos clients, Serv &amp; Solutions GmbH, en partenariat avec AGEAS, vous donne d\u00e9sormais la possibilit\u00e9 de souscrire \u00e0 une assurance au Portugal dans tous les domaines:<\/p>\n<ul>\n<li style=\"text-align: justify;\">Maison<\/li>\n<li style=\"text-align: justify;\">Voiture<\/li>\n<li style=\"text-align: justify;\">\u00c9pargne pour la retraite<\/li>\n<li style=\"text-align: justify;\">Sant\u00e9<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]Serv &amp; Solutions GmbH est toujours \u00e0 vos c\u00f4t\u00e9s \u00e0 tout moment[\/vc_column_text][vc_empty_space][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;Contactez-nous&#8221; font_container=&#8221;tag:h2|text_align:center|color:%23fcc100&#8243; link=&#8221;url:%23contact_footer|||&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;fas fa-baby&#8221; add_icon=&#8221;true&#8221; title=&#8221;Protection Familiale&#8221; tab_id=&#8221;1635419562313-37cd1f52-8afa&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1635437107809{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_inner offset=&#8221;vc_hidden-sm&#8221;][vc_empty_space][vc_single_image image=&#8221;9467&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][vc_column_inner offset=&#8221;vc_hidden-xs&#8221;][vc_empty_space][vc_single_image image=&#8221;9467&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column_inner][vc_column_inner css=&#8221;.vc_custom_1635435875899{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">Pr\u00e9voyance<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Si votre objectif est d&#8217;optimiser le rendement de votre capital disponible ou de faire des \u00e9conomies r\u00e9guli\u00e8res, Serv &amp; Solutions GmbH vous propose un ensemble de solutions dans le cadre favorable de l&#8217;assurance-vie.<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Le syst\u00e8me social suisse se compose de trois piliers :<\/p>\n<ul style=\"text-align: justify;\">\n<li id=\"tw-target-text\" dir=\"ltr\" data-placeholder=\"Traduction\">Les 1er et 2\u00e8me piliers sont destin\u00e9s \u00e0 couvrir les besoins essentiels en mati\u00e8re de protection sociale.<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">Le 3\u00e8me pilier est \u00e0 la charge de chaque r\u00e9sident sur le territoire suisse. Serv &amp; Solutions GmbH vend des assurances vie en Suisse dans le cadre du 3\u00e8me pilier.<\/li>\n<\/ul>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Selon les besoins, les \u00e9checs des 1er et 2e piliers tendent \u00e0 augmenter de plus en plus. Ainsi, il est tr\u00e8s important d&#8217;avoir, en Suisse, une protection compl\u00e9mentaire, au titre du 3e pilier, pour la retraite, le d\u00e9c\u00e8s, l&#8217;invalidit\u00e9 et l&#8217;incapacit\u00e9.<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Il existe deux possibilit\u00e9s par rapport au 3e pilier:<\/p>\n<ul>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Le troisi\u00e8me pilier li\u00e9 (Pilier 3a)<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Le troisi\u00e8me pilier libre (Pilier 3b).<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">Le syst\u00e8me \u00e0 trois piliers existe dans plusieurs pays du monde. Par exemple, en Allemagne et au Royaume-Uni, 90% des revenus des retrait\u00e9s proviennent des 1er et 2e piliers et seulement 10% du 3e pilier. En Suisse, les 1er et 2\u00e8me piliers ne repr\u00e9sentent que 74% et le 3\u00e8me 26%.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner css=&#8221;.vc_custom_1635435958956{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_single_image image=&#8221;7536&#8243; img_size=&#8221;full&#8221; css=&#8221;.vc_custom_1634736797583{margin-left: 0px !important;border-left-width: 0px !important;padding-left: 0px !important;}&#8221;][\/vc_column_inner][vc_column_inner css=&#8221;.vc_custom_1635435968315{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_custom_heading text=&#8221;Faites des \u00e9conomies&#8221; font_container=&#8221;tag:h4|text_align:center|color:%23fdc60e&#8221; css=&#8221;.vc_custom_1603207641746{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;B\u00e9n\u00e9ficiez des d\u00e9ductions fiscales avec un 3e pilier et \u00e9conomisez environ 4000 francs par an.&#8221; font_container=&#8221;tag:h4|text_align:center|color:%23486173&#8243; google_fonts=&#8221;font_family:Playfair%20Display%3Aregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1603207650568{margin-bottom: -20px !important;}&#8221; subtitle_color=&#8221;#486173&#8243;][vc_empty_space][\/vc_column_inner][vc_column_inner css=&#8221;.vc_custom_1635435987588{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">Caract\u00e9ristiques Pr\u00e9voyance Li\u00e9e (Pilier 3a)<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">La principale caract\u00e9ristique du pilier 3a r\u00e9side dans les privil\u00e8ges fiscaux. Selon la loi, les contributions au pilier 3a sont d\u00e9ductibles d&#8217;imp\u00f4t. En revanche, les prestations sont int\u00e9gralement impos\u00e9es, comme pour le 2e pilier. Un individu ne peut \u00e0 aucun moment disposer librement de ses actifs du 3e pilier.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les diff\u00e9rentes formes de s\u00e9curit\u00e9 sociale pr\u00e9vues dans le cadre du pilier 3a peuvent \u00eatre mises en \u0153uvre par toute personne exer\u00e7ant une activit\u00e9 lucrative. Pour les salari\u00e9s, ils constituent un compl\u00e9ment int\u00e9ressant aux 1er et 2\u00e8me piliers.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">En ce qui concerne les ind\u00e9pendants, qui ne sont pas soumis au 2e pilier, ils rev\u00eatent une importance particuli\u00e8re dans la mesure o\u00f9 ils exercent les fonctions du 2e pilier. Les personnes percevant des allocations de ch\u00f4mage peuvent \u00e9galement souscrire \u00e0 un 3e pilier.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner css=&#8221;.vc_custom_1635435999197{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">Paiement des prestations (3\u00e8me Pilier &#8220;A&#8221;)<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les prestations de retraite peuvent \u00eatre vers\u00e9es jusqu&#8217;\u00e0 cinq ans avant que l&#8217;assur\u00e9 atteigne l&#8217;\u00e2ge normal de la retraite de l&#8217;AVS (65 ans pour les hommes et 64 ans pour les femmes) et pas plus de cinq ans plus tard :<\/p>\n<p style=\"text-align: justify;\">Le paiement anticip\u00e9 des prestations de retraite est possible dans les cas suivants:<\/p>\n<ul>\n<li style=\"text-align: justify;\">Le paiement sert \u00e0 acheter des cotisations \u00e0 une institution de s\u00e9curit\u00e9 sociale du 2e pilier<\/li>\n<li style=\"text-align: justify;\">Le pensionn\u00e9 b\u00e9n\u00e9ficie d&#8217;une pension d&#8217;invalidit\u00e9 compl\u00e8te de l&#8217;assurance invalidit\u00e9 f\u00e9d\u00e9rale et le risque d&#8217;invalidit\u00e9 n&#8217;est pas assur\u00e9<\/li>\n<li style=\"text-align: justify;\">Le retrait\u00e9 change son activit\u00e9 rentable ind\u00e9pendante<\/li>\n<li style=\"text-align: justify;\">Le preneur d&#8217;assurance s&#8217;\u00e9tablit<\/li>\n<li style=\"text-align: justify;\">Le retrait\u00e9 quitte d\u00e9finitivement la Suisse<\/li>\n<li style=\"text-align: justify;\">Le paiement anticip\u00e9 est utilis\u00e9 pour acheter un logement \u00e0 ses propres fins ou pour rembourser des pr\u00eats hypoth\u00e9caires.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">B\u00e9n\u00e9ficiaires du 3\u00e8me Pilier &#8220;A&#8221;<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les personnes suivantes sont consid\u00e9r\u00e9es comme des b\u00e9n\u00e9ficiaires:<\/p>\n<ul>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">En cas de vie, l&#8217;assur\u00e9<\/li>\n<li dir=\"ltr\" data-placeholder=\"Traduction\">En cas de d\u00e9c\u00e8s du preneur d&#8217;assurance, les personnes \u00e9num\u00e9r\u00e9es ci-dessous, dans l&#8217;ordre suivant:\n<ul>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Le conjoint survivant ou le partenaire enregistr\u00e9 survivant<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les descendants directs ainsi que les personnes \u00e0 charge substantielle du d\u00e9funt, ou la personne avec laquelle ils ont v\u00e9cu en communaut\u00e9 pendant au moins cinq ann\u00e9es cons\u00e9cutives avant le d\u00e9c\u00e8s ou qui doit \u00e9lever un ou plusieurs enfants en commun<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Parents<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Fr\u00e8res et s\u0153urs<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les autres h\u00e9ritiers<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">D\u00e9ductions fiscales du 3\u00e8me Pilier &#8220;A&#8221;<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les salari\u00e9s et les ind\u00e9pendants peuvent d\u00e9duire de leur revenu en 2013, au titre des imp\u00f4ts directs de la Conf\u00e9d\u00e9ration, des cantons et des communes, les cotisations vers\u00e9es pour le 3\u00e8me pilier a selon la r\u00e8gle suivante:<\/p>\n<ul>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">6&#8217;768 francs par an s&#8217;ils sont affili\u00e9s \u00e0 une institution sociale du 2e pilier<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">33&#8217;840 francs par an s&#8217;ils ne sont pas affili\u00e9s \u00e0 une institution sociale du 2e pilier. Les cotisations peuvent \u00eatre pay\u00e9es jusqu&#8217;\u00e0 cinq ans apr\u00e8s l&#8217;\u00e2ge normal de la retraite d&#8217;AVS.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1655116776787{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner css=&#8221;.vc_custom_1635436371810{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: rgba(255,255,255,0.8) !important;*background-color: rgb(255,255,255) !important;}&#8221;][vc_empty_space][vc_custom_heading text=&#8221;Prot\u00e9gez votre famille !&#8221; font_container=&#8221;tag:h4|text_align:center|color:%23fdc60e&#8221; css=&#8221;.vc_custom_1634736750789{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;Faites des \u00e9conomies !<br \/>\nAssurez votre avenir et celui de votre famille&#8221; font_container=&#8221;tag:h4|text_align:center|color:%23486173&#8243; google_fonts=&#8221;font_family:Playfair%20Display%3Aregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1603207746385{margin-bottom: -20px !important;}&#8221; subtitle_color=&#8221;#486173&#8243;][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1635436650958{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner css=&#8221;.vc_custom_1635436716866{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_empty_space][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">3\u00e8me Pilier accessible \u00e0 la population active apr\u00e8s l&#8217;\u00e2ge de la retraite<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Bern, 17.10.2007 &#8211; Afin d&#8217;encourager les travailleurs \u00e2g\u00e9s \u00e0 rester sur le march\u00e9 du travail, le Conseil F\u00e9d\u00e9ral a d\u00e9cid\u00e9 que les femmes et les hommes qui continuent \u00e0 travailler au-del\u00e0 de l&#8217;\u00e2ge normal de la retraite peuvent reporter le versement des prestations de retraite du 3\u00e8me pilier jusqu&#8217;\u00e0 ce qu&#8217;ils cessent leur activit\u00e9.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Ce report est possible pour 5 ans ou plus. Tant qu&#8217;ils exercent une activit\u00e9 lucrative, ils peuvent \u00e9galement continuer \u00e0 contribuer pendant 5 ans \u00e0 un 3e pilier fiscalement privil\u00e9gi\u00e9. En ce sens, le Conseil F\u00e9d\u00e9ral a modifi\u00e9 le d\u00e9cret-loi sur les d\u00e9ductions fiscales admises pour les cotisations vers\u00e9es aux r\u00e9gimes de retraite reconnus (OPP 3), avec effet au 1er janvier 2008.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1635436657190{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner css=&#8221;.vc_custom_1635436722738{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">Caract\u00e9ristiques de la pension gratuite (Pilier 3B)<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">En ce qui concerne le pilier 3b, les cotisations ne sont d\u00e9ductibles d&#8217;imp\u00f4t que dans certains cantons.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">En revanche, une police d&#8217;assurance sous le r\u00e9gime du pilier 3b peut \u00eatre souscrite m\u00eame par ceux qui n&#8217;ont pas une activit\u00e9 rentable en Suisse et les b\u00e9n\u00e9ficiaires peuvent \u00eatre choisis librement par l&#8217;assur\u00e9, sans les restrictions du pilier 3a.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Les restrictions existantes sur le paiement des prestations existant dans le 3e pilier \u00abA\u00bb n&#8217;existent pas dans le 3e pilier \u00abB\u00bb.<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1635436091006{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;background-image: url(https:\/\/servisolutions.ch\/wp-content\/uploads\/2021\/10\/AdobeStock_341613348_Preview.jpeg?id=8318) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner css=&#8221;.vc_custom_1635436371810{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: rgba(255,255,255,0.8) !important;*background-color: rgb(255,255,255) !important;}&#8221;][vc_empty_space][vc_custom_heading text=&#8221;Prot\u00e9gez votre famille !&#8221; font_container=&#8221;tag:h4|text_align:center|color:%23fdc60e&#8221; css=&#8221;.vc_custom_1634736750789{padding-right: 5% !important;padding-left: 5% !important;}&#8221;][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;Faites des \u00e9conomies !<br \/>\nAssurez votre avenir et celui de votre famille&#8221; font_container=&#8221;tag:h4|text_align:center|color:%23486173&#8243; google_fonts=&#8221;font_family:Playfair%20Display%3Aregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221; css=&#8221;.vc_custom_1603207746385{margin-bottom: -20px !important;}&#8221; subtitle_color=&#8221;#486173&#8243;][vc_empty_space][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1633547954926{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_inner css=&#8221;.vc_custom_1635436902587{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_empty_space][vc_column_text]<\/p>\n<h4 id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: center;\" data-placeholder=\"Traduction\">\u00c9pargne Jeunesse<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p id=\"tw-target-text\" dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Appliquez les \u00e9conomies de vos enfants.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">L&#8217;\u00e9pargne jeunesse est la solution id\u00e9ale lorsque vous souhaitez commencer \u00e0 \u00e9pargner pour vos enfants ou petits-enfants, afin qu&#8217;ils aient de l&#8217;argent pour les premiers projets de l&#8217;\u00e2ge adulte.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">Ce type d&#8217;\u00e9pargne offre un rendement plus \u00e9lev\u00e9 que les comptes bancaires traditionnels, et en m\u00eame temps peut \u00e9galement vous garantir un capital imm\u00e9diat en cas de d\u00e9c\u00e8s d&#8217;un souscripteur, ce qui est tr\u00e8s utile pour aider \u00e0 payer les \u00e9tudes ou l&#8217;\u00e9ducation des enfants.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\" data-placeholder=\"Traduction\">De cette fa\u00e7on, l&#8217;avenir de vos enfants est garanti!<\/p>\n<p>[\/vc_column_text][vc_empty_space][\/vc_column_inner][vc_column_inner css=&#8221;.vc_custom_1635436913011{margin-right: 0px !important;margin-left: 0px !important;border-right-width: 0px !important;border-left-width: 0px !important;padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_column_text]<\/p>\n<h4 style=\"text-align: center;\">\u00c9pargne Retraite<\/h4>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">L&#8217;avenir est toujours inconnu, mais quand nous y r\u00e9fl\u00e9chissons, nous imaginons toujours ce que le bien peut nous arriver. Cependant, un examen plus attentif nous montre qu&#8217;en cas de d\u00e9c\u00e8s, ce sont les plus proches qui en souffrent directement.<\/p>\n<p style=\"text-align: justify;\">Serv &amp; Solutions GmbH trouve pour vous un plan o\u00f9 tout est pr\u00e9vu et qui vise \u00e0 prot\u00e9ger votre bien-\u00eatre et le niveau de vie de votre famille, en l&#8217;absence de votre principal soutien \u00e9conomique ou si vous \u00eates affect\u00e9 par un handicap, un handicap ou une maladie grave.<\/p>\n<p style=\"text-align: justify;\">Avec un petit investissement, vous pouvez avoir de bons rendements, et vous pouvez \u00e9galement profiter d&#8217;une r\u00e9duction des imp\u00f4ts qui peut aller jusqu&#8217;\u00e0 38% par an. Ainsi, vous pouvez affronter le pr\u00e9sent repos\u00e9 car l&#8217;avenir, quoi qu&#8217;il arrive, sera le leur.<\/p>\n<p>[\/vc_column_text][vc_empty_space][vc_custom_heading stripe_pos=&#8221;hide&#8221; text=&#8221;Contactez-nous&#8221; font_container=&#8221;tag:h2|text_align:center|color:%23fcc100&#8243; link=&#8221;url:%23contact_footer|||&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1635345706184{margin-top: 0px !important;border-top-width: 0px !important;padding-top: 0px !important;background-color: #141e3c !important;}&#8221;][vc_column offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][stm_spacing lg_spacing=&#8221;60&#8243; md_spacing=&#8221;60&#8243; sm_spacing=&#8221;40&#8243; xs_spacing=&#8221;40&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][stm_spacing lg_spacing=&#8221;100&#8243; md_spacing=&#8221;100&#8243; sm_spacing=&#8221;80&#8243; xs_spacing=&#8221;80&#8243;][vc_single_image image=&#8221;7048&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][stm_spacing lg_spacing=&#8221;20&#8243; md_spacing=&#8221;20&#8243; sm_spacing=&#8221;10&#8243; xs_spacing=&#8221;10&#8243;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1716966758318{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: left; color: #fff;\">Lun &#8211; Ven<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p style=\"text-align: right; color: #fff;\">09:00 &#8211; 12:00<br \/>\n13:30 &#8211; 18:30<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_separator color=&#8221;custom&#8221; css=&#8221;.vc_custom_1599648351330{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221; accent_color=&#8221;#bababa&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1716971004475{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: left; color: #fff;\">Samedi<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1716971025240{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: right; color: #fff;\">08:00 &#8211; 12:00<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_separator color=&#8221;custom&#8221; css=&#8221;.vc_custom_1599648351330{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221; accent_color=&#8221;#bababa&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1716971053315{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"color: #fff;\">Dimanche<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1716971070308{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: right; color: #fff;\">Ferm\u00e9<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][stm_spacing lg_spacing=&#8221;40&#8243; md_spacing=&#8221;40&#8243; sm_spacing=&#8221;20&#8243; xs_spacing=&#8221;20&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p style=\"text-align: justify; color: #fff;\">Honn\u00eatet\u00e9 et disponibilit\u00e9, pour que vous puissiez vivre une vie sans soucis et en toute s\u00e9curit\u00e9.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][vc_row_inner css=&#8221;.vc_custom_1599654365154{margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1599653892383{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-map-marker-alt&#8221; color=&#8221;custom&#8221; size=&#8221;xs&#8221; align=&#8221;right&#8221; css=&#8221;.vc_custom_1635340005308{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}&#8221; custom_color=&#8221;#f9a733&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243; css=&#8221;.vc_custom_1599654066775{margin-left: 0px !important;border-left-width: 0px !important;padding-top: 6% !important;padding-bottom: 6% !important;padding-left: 0px !important;}&#8221;][vc_column_text el_class=&#8221;pg_footer_desktop&#8221;]<a href=\"https:\/\/goo.gl\/maps\/iNs3sV8LpLL3m1VV6\" target=\"_blank\" rel=\"noopener\">Glattalstrasse 521, 8153 R\u00fcmlang<\/a>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1599654371626{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1599653892383{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;stm-phone_13_2&#8243; color=&#8221;custom&#8221; size=&#8221;xs&#8221; align=&#8221;right&#8221; css=&#8221;.vc_custom_1599656659951{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}&#8221; custom_color=&#8221;#f9a733&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243; css=&#8221;.vc_custom_1599654066775{margin-left: 0px !important;border-left-width: 0px !important;padding-top: 6% !important;padding-bottom: 6% !important;padding-left: 0px !important;}&#8221;][vc_column_text el_class=&#8221;pg_footer_desktop&#8221;]<a href=\"tel:+41564702317\" target=\"_blank\" rel=\"noopener\">+41 56 470 23 17<\/a>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1599654377762{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1599653892383{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;stm-iphone&#8221; color=&#8221;custom&#8221; size=&#8221;xs&#8221; align=&#8221;right&#8221; css=&#8221;.vc_custom_1599656666660{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}&#8221; custom_color=&#8221;#f9a733&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243; css=&#8221;.vc_custom_1599654066775{margin-left: 0px !important;border-left-width: 0px !important;padding-top: 6% !important;padding-bottom: 6% !important;padding-left: 0px !important;}&#8221;][vc_column_text el_class=&#8221;pg_footer_desktop&#8221;]<a href=\"tel:+41768036353\" target=\"_blank\" rel=\"noopener\">+41 76 803 63 53<\/a>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1599654384906{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;][vc_column_inner width=&#8221;1\/4&#8243; css=&#8221;.vc_custom_1599653892383{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-envelope&#8221; color=&#8221;custom&#8221; size=&#8221;xs&#8221; align=&#8221;right&#8221; css=&#8221;.vc_custom_1599656672497{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;}&#8221; custom_color=&#8221;#f9a733&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;3\/4&#8243; 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offset=&#8221;vc_hidden-lg vc_hidden-md&#8221;][vc_row_inner][vc_column_inner][stm_spacing lg_spacing=&#8221;40&#8243; md_spacing=&#8221;40&#8243; sm_spacing=&#8221;20&#8243; xs_spacing=&#8221;20&#8243;][stm_spacing lg_spacing=&#8221;40&#8243; md_spacing=&#8221;40&#8243; sm_spacing=&#8221;20&#8243; xs_spacing=&#8221;20&#8243;][vc_single_image image=&#8221;7048&#8243; img_size=&#8221;medium&#8221; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;.vc_custom_1638194291482{margin-right: 10px !important;margin-left: 10px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Honn\u00eatet\u00e9 et disponibilit\u00e9, pour que vous puissiez vivre une vie sans soucis et en toute s\u00e9curit\u00e9.<\/p>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;pg_footer_mobile&#8221;]<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/goo.gl\/maps\/iNs3sV8LpLL3m1VV6\" target=\"_blank\" rel=\"noopener\">Glattalstrasse 521<br \/>\n8153 R\u00fcmlang<\/a>[\/vc_column_text][vc_column_text el_class=&#8221;pg_footer_mobile&#8221;]<\/p>\n<p style=\"text-align: center;\"><a href=\"tel:+41564702317\" target=\"_blank\" rel=\"noopener\">+41 56 470 23 17<\/a><br \/>\n<a href=\"tel:+41768036353\" target=\"_blank\" rel=\"noopener\">+41 76 803 63 53<\/a><br \/>\n<a href=\"mailto:geral@servisolutions.ch\" target=\"_blank\" rel=\"noopener\">geral@servisolutions.ch<\/a>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1635341039955{margin-top: 0px !important;margin-bottom: 0px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<\/p>\n<p style=\"text-align: center;\">Lun &#8211; 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