Swiss Life

Swiss Life: A Comprehensive Overview of Its Features and Advantages for American Clients

Swiss Life Group, founded in 1857 and headquartered in Zurich, Switzerland, is one of Europe’s premier providers of life insurance, pensions, and financial services. As Switzerland’s largest life insurer and a major player across Europe, Swiss Life offers a broad spectrum of insurance and wealth management solutions tailored to both individual and corporate clients. With over CHF 255 billion in assets under management and a strong presence in multiple countries, Swiss Life combines long-standing financial stability with innovative, client-centric products.

Core Business Segments and Geographic Reach

Swiss Life operates through several key segments:

• Switzerland: Serving over one million insured persons, Swiss Life Switzerland provides comprehensive life and pension insurance products under the Swiss Life and Swiss Life Select brands. It is a market leader offering tailored financial planning and risk protection solutions.
• Germany: The German subsidiary specializes in occupational pensions, disability insurance, and financial security products for private and corporate clients, with strong distribution networks such as Swiss Life Select and HORBACH.
• France: Swiss Life France focuses on personal insurance products and combines asset management with private banking services through Swiss Life Banque Privée, catering especially to high-net-worth individuals.
• International: Swiss Life International operates in financial hubs including Luxembourg, Liechtenstein, the Netherlands, Singapore, and Hong Kong, providing cross-border private placement life insurance, wealth structuring, and employee benefits solutions for multinational corporations and affluent clients.
• Asset Management: Swiss Life Asset Managers is a leading institutional asset manager in Switzerland and Europe, managing diversified portfolios including real estate, infrastructure, and clean energy investments.

Financial Strength and Stability

Swiss Life’s financial performance reflects its robust business model and prudent risk management. In 2024, the Group reported an adjusted operating profit of CHF 1.78 billion and a net profit of CHF 1.26 billion. Its listing on the Swiss Market Index (SLHN) underscores its prominence and transparency in the financial markets, ensuring the ability to meet long-term policyholder obligations.

Product and Service Offerings

• Life Insurance: Term life, whole life, and universal life policies with flexible premium and benefit options, including disability coverage and annuities.
• Pension Solutions: Individual and occupational pension plans, facilitating tax-efficient and customizable retirement income.
• Health and Disability Insurance: Coverage for occupational disability and critical illness, protecting income and providing financial security.
• Wealth and Asset Management: Private placement life insurance products for high-net-worth clients seeking asset protection, estate planning, and tax efficiency.
• Employee Benefits: Tailored employee benefits programs including group life insurance, disability, and health solutions for multinational corporations across over 90 countries.

Advantages for American Clients and Partnerships

Swiss Life serves global clients, including Americans, through its International segment and strategic partnerships:

• Cross-Border Expertise: Sophisticated life insurance and wealth structuring solutions for expatriates, globally mobile professionals, and multinational corporations.
• Partnership with Lincoln Financial Group: Enables Swiss Life to provide comprehensive employee benefits solutions integrating U.S.-based disability, life, dental, accident, and critical illness coverage with international benefits.
• Global Network Access: Collaborations with leading insurers worldwide ensure flexible, high-quality insurance and asset management services for American clients with international exposure.

Why U.S. Investors Choose Swiss Life for Their Financial Solutions

American investors increasingly turn to Swiss Life for their financial planning and investment needs due to the company’s proven stability, diversified offerings, international expertise, and innovative product suite. Below are the key reasons why Swiss Life stands out as a preferred partner for U.S. clients:

Financial Strength and Reputation

Swiss Life is one of Europe’s largest and most established life insurers, with a heritage spanning over 160 years. Backed by strong capital reserves and high credit ratings from leading agencies, Swiss Life provides investors with confidence in its ability to meet long-term obligations. For American investors, this translates into reliable capital preservation and consistent returns over time.

Diversification and Access to European Markets

Swiss Life offers access to a broad range of asset classes, including real estate, infrastructure, equities, and bonds across key European markets. For U.S.-based investors seeking geographic diversification beyond domestic markets, Swiss Life’s investment platforms provide unique opportunities to mitigate risk and enhance portfolio performance.

Innovative Life Insurance Products with Investment Components

Swiss Life’s unit-linked life insurance products combine life coverage with investment flexibility, allowing clients to allocate premiums across various funds and strategies. This hybrid approach enables American investors to benefit from both protection and growth potential within a single, tax-efficient vehicle.

International Expertise and Cross-Border Solutions

Swiss Life International specializes in serving globally mobile clients, expatriates, and multinational corporations. The company’s solutions are tailored to navigate complex tax, legal, and regulatory environments across jurisdictions, making it ideal for U.S. investors with international assets or residency.

Strategic Partnerships with Leading U.S. Financial Institutions

Through collaborations with firms such as Lincoln Financial Group, Swiss Life integrates its international insurance and pension offerings with U.S. market standards and compliance requirements. This synergy ensures seamless, transparent, and comprehensive financial planning for American clients.

Capital Protection and Guaranteed Income Options

Many Swiss Life products provide capital guarantees and minimum income guarantees, reducing investment risk and delivering stable financial outcomes. For U.S. investors accustomed to market volatility, these features offer valuable peace of mind and predictable cash flows.

Personalized Service and Professional Asset Management

Swiss Life delivers bespoke financial solutions supported by rigorous research and expert portfolio management. This client-centric approach ensures that American investors receive tailored strategies aligned with their unique goals and risk tolerance.

In summary, Swiss Life’s combination of financial solidity, international reach, innovative insurance-investment products, and high-quality asset management makes it a trusted partner for U.S. investors seeking long-term wealth preservation, growth, and comprehensive financial security.

Commitment to Client-Centric Financial Security

Swiss Life’s corporate purpose is to enable individuals to lead financially self-determined lives. Its advisors provide personalized pension and financial planning services, leveraging over 160 years of experience and deep investment expertise. Transparency, trust, and long-term client relationships are core values.

Regulatory Compliance and Ethical Standards

Swiss Life operates under stringent Swiss and European regulatory frameworks, ensuring high standards of governance, solvency, and customer protection. The company has resolved past regulatory challenges, demonstrating commitment to compliance and ethical business practices.

Contact Information for Swiss Life

Swiss Life Group Headquarters
Swiss Life Holding Ltd
General-Guisan-Quai 40
P.O. Box
CH-8022 Zurich, Switzerland
Phone: +41 43 284 33 11
Website: www.swisslife.com

Swiss Life International (Luxembourg)
Swiss Life Products (Luxembourg) S.A.
2-4, Rue Eugène Ruppert
L-2453 Luxembourg
Phone: +352 47 67 1
SWIFT Code: SWLPLULLXXX

Swiss Life USA Regional Contact
While Swiss Life does not directly operate in the U.S. market, American clients may contact Swiss Life International or affiliated partners for cross-border insurance solutions. For education and regional coordination:

Swiss Learning Regional Office – America and Southern Europe
Carla Jakubovich, Regional Director
Miami, Florida, USA
Phone: +1-305-498-6404
Email: carla@swisslearning.com

Global Employee Benefits Network
Swiss Life Global Solutions collaborates with over 90 partners worldwide to provide employee benefits solutions. For corporate inquiries:
Website: Swiss Life Global Solutions Network