For companies that want occupational provisions without financial risks: the Swiss Life Business Protect full insurance solution offers a 100% capital and interest rate guarantee.

Fully guaranteed protection without investment risk

The full insurance solution Swiss Life Business Protect offers all-round protection with full guarantees. As a customer you bear no investment risk. The risks of death, disability and longevity are fully reinsured by Swiss Life. You and your employees are optimally covered in the event of a claim and remain financially self-determined.

How you benefit with Swiss Life Business Protect

✔ All-round protection: you receive full guarantees for all risks (old age, disability and death).

✔ 100% security: you have a capital and interest rate guarantee on all your vested pension capital.

✔ Dividend distribution: you share in bonuses, in accordance with your contractual entitlement.

✔ Individual scope of benefits: your contractual benefits can be adjusted quickly in line with changing circumstances.

✔ High flexibility regarding the payment method: you can choose between an annual, quarterly or monthly contribution.

✔ No shortfall: there is no possibility of a shortfall, restructuring measures therefore do not apply.

Make an appointment for a consultation

Are you interested in an individual pension solution? Our experts provide a personal consultation free of any obligation.


The full insurance solution is unique in terms of security. This is because the employee benefits institution passes all the risks on to an insurance company. Swiss Life is one of the few providers of this pension model. Full insurance offers insured persons full guarantees and reinsurance of all risks. A shortfall is impossible as the insurance always guarantees 100% of the employee benefit.

Swiss Life Business Protect is the right choice if the security of your vested pension capital is the top priority for you. The risks of death, disability and old age are borne entirely by Swiss Life. You also receive a 100% capital and interest rate guarantee on all vested pension capital.

Swiss Life Business Protect covers 100% of all insurance and investment risks. As a result, there can be neither a shortfall nor are restructuring measures needed.

Swiss Life Collective BVG Foundation – with reinsurance for all risks

Facts and figures on the collective foundation behind the Swiss Life Business Protect full insurance solution.

Other pension solutions

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    For companies wishing to benefit from the financial markets

    • Vested pension capital invested in a balanced and return-oriented manner
    • Jointly managed investments
    • Attractive potential returns
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    For companies with their own investment experts

    • Individual and self-determined investment strategy
    • Free choice of well-known investment foundations
    • Opportunity for higher returns over the long term

Self-determined executive solution for employees

Insure salary portions over CHF 132 300 (as of 2023) in a self-determined manner with Swiss Life's 1e plan.