As an entrepreneur, you are a professional in your field. You have the business side under control and it wouldn't take long to organise your company’s future provisions either. That's what we do. We find the right solution to optimally insure your company.
Swiss Life – a strong partner by your side
More than 160 years' experience in occupational provisions
High level of competence
Over 43 000 companies place their trust in our expertise
Full BVG range with full insurance and semi-autonomy
What I need to know
In occupational provisions you have a choice of three pension models: full insurance, the semi-autonomous and autonomous solution. If you don't want to set up your own employee benefits institution, you can join a collective foundation. You then have the choice between a full insurance and a semi-autonomous solution. Full insurance prioritises security: the investment risks are fully covered in addition to death and disability. With semi-autonomous foundations, on the other hand, the foundation (and therefore the affiliated companies and their staff) bear the investment risk – as well as the investment opportunities in the form of higher long-term returns.
Depending on the configuration of the semi-autonomous foundation, either the Board of Trustees determines the investment strategy (for pooled investments) or the Administrative Board of the affiliated company (for individual investments). At Swiss Life, you can select your preferred solution in self-determination from the full-range provider offering, which also offers you the option of flexibly structuring your pension plan.
The full insurance solution is unique in terms of security. That 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 the employee benefit 100%.
With semi-autonomous pension solutions, the employee benefits institution is itself responsible for investing the pension fund assets, and thus also for the associated risks and rewards. If financial market developments are positive, insured persons can benefit from a higher interest rate on their retirement savings and thus expect higher retirement benefits. In good investment years, a portion of the profit also flows into a so-called value fluctuation reserve, which offsets any capital market fluctuations. A shortfall (cover ratio below 100%) and the associated restructuring measures cannot be ruled out, but are considered an exceptional scenario.
The conversion rate determines the sum of the pension on retirement. For this purpose, the retirement savings accumulated at the time of retirement are multiplied by the conversion rate, which results in the annual retirement pension. The conversion rate for the mandatory retirement savings is set in the Occupational Pensions Act (BVG) and is currently 6.8%. Pension funds are free to set their own conversion rate for supplementary benefits.
The trend in occupational provisions remains dynamic. Our specialists will be glad to show you and your employees how their provisions are structured, what happens to their contribution payments and what the current changes in the pension system mean to each of them personally. That way you and your employees can keep track of the situation and plan ahead.
Your Swiss Life advisor will be happy to provide you with detailed information. Or contact the General Agency in your vicinity directly.
Make an appointment for a consultation
Would you like to know more about future provisions for your company?
What type of entrepreneur are you?
You are looking for attractive earnings opportunities
You would like to exploit attractive earnings opportunities in occupational provisions – while maintaining a certain level of security at the same time? Then Swiss Life Business Invest is your pension solution: with collective investments and the opportunity of additional returns.
You would like to determine your own investment strategy
Your company has already reached a certain size? You don't want to leave investment decisions about occupational provisions at employee benefits unit level to others? You want to have input in these decisions? If so, this insurance solution is the best for you.
Make an appointment for a consultation
Do you have any questions about future provisions and insurance? Our insurance and financial experts will be happy to examine your individual situation and provide you with solutions. That way you can shape your entrepreneurial future in self-determination.