Put your money into unit-linked life insurance, which invests in an attractive real estate fund consisting exclusively of Swiss commercial real estate.
Swiss Life Premium Immo is a unit-linked non-tax qualified life insurance (pillar 3b) investing in a real estate fund comprising Swiss commercial properties.
- The real estate fund with high-quality Swiss commercial properties offers stable earnings.
- The rental contracts are usually index-linked. This provides extensive protection against inflation.
- You benefit from the expertise and experience of the real estate specialists of the Swiss Life Group.
- You provide financial security for your family or other designated beneficiaries with a guaranteed lump-sum death benefit.
- All earnings on contract expiry are exempt from income tax if you are 50 or over but under 66 when concluding the policy.
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More about the product
With Swiss Life Premium Immo you participate in an attractive real estate fund. The proven real estate fund invests in high-quality Swiss commercial properties and has achieved excellent returns in the past few years. Swiss Life has over 120 years of experience in real estate management. As the largest private real estate owner in Switzerland it builds on the expertise and experience of the real estate specialists of Swiss Life Asset Managers.
The institutional real estate fund invests in 30 top-class Swiss commercial properties. The properties are distributed throughout the strong economic regions of Switzerland, are situated in very good locations and are high-quality properties.
Performance
The long-term performance target of the real estate fund is 3 % to 4 % per year.
Payout at expiry is exempt from income tax, provided
- the contract expires after the age of 60;
- it was concluded before the age of 66 for a minimum term of ten years;
- the insured person and the policyholder are the same.
During the contract term: only wealth tax on the surrender value (at cantonal level only)
In the event of death: no income tax, inheritance tax possible according to policyholder’s canton of residence
From CHF 40 000 and up
- Not applicable for risk sums of CHF 200 000 or less
- There is limited insurance cover in the event of the policyholder’s death as a result of illness during a waiting period of three years.
- Inheritance and bankruptcy privileges
- Your entitlements are always fully protected by the tied assets Swiss Life is required to set aside by law. These are subject to strict controls by the Swiss Financial Market Supervisory Authority (FINMA).
The beneficiaries in pillar 3b can be freely selected.