With Swiss Life Premium Immo, you invest your funds in unit-linked life insurance. This invests in an attractive real estate fund consisting of exclusive Swiss commercial real estate.
Swiss Life Premium Immo is a single-premium, non-tax-qualified (pillar 3b) unit-linked life insurance policy investing in a Luxembourg real estate fund comprising Swiss commercial properties.
The proven Swiss Life REF (LUX) ESG Commercial Properties Switzerland real estate fund invests in prime Swiss commercial properties and has achieved excellent returns in the past few years. Swiss Life has over 130 years of experience in real estate investment.
The institutional real estate fund invests in 40 top-class Swiss commercial properties. The properties are distributed throughout the strong economic regions of Switzerland, are situated in very good locations and are of high quality.
The product is currently not on offer. The information applies only to existing customers.
Your advantages at a glance
- The real estate fund with its prime Swiss commercial real estate offers stable returns.
- The leases are generally inflation-linked, so offer partial inflation protection.
- You benefit from the expertise and experience of real estate specialists in the Swiss Life Group.
- You provide financial protection for your family or other designated beneficiaries with a guaranteed lump-sum death benefit.
- No income tax is payable on returns at expiry provided you are at least 50 and not yet 66 years of age when you conclude the contract.
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Want to learn more about Swiss Life Premium Immo, or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation.
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More about the product
The payout at expiry is exempt from income tax, provided
- the contract expires after the age of 60;
- it was concluded before age 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 (and at cantonal level only)
In the event of death: no income tax; inheritance tax possible depending on policyholder’s canton of residence
It is financed by a single premium. The minimum premium is CHF 40 000, excluding stamp duty.
The term is fixed at ten years.
No, this is not possible with this product.
- Inheritance and bankruptcy privileges:
Your entitlements are always fully protected by the tied assets Swiss Life is legally required to set aside. These are subject to controls by the Swiss Financial Market Supervisory Authority (FINMA). - Flexibility to choose beneficiaries and change them if necessary