Through Swiss Life Premium Assets 2026, you invest your funds in unit-linked life insurance. It invests half of its capital in an attractive real estate fund with exclusive Swiss commercial properties and the other half in a low-cost equity fund comprising high-dividend Swiss companies.
Swiss Life Premium Assets 2026 is a single-premium, non-tax-qualified (pillar 3b) unit-linked life insurance policy that invests in a real estate fund comprising exclusive Swiss commercial properties and in a low-cost equity fund comprising high-dividend Swiss companies.
The Swiss Life Premium Assets 2026 life insurance policy invests half of its capital in the Swiss Life REF (LUX) ESG Commercial Properties Switzerland real estate fund and the other half in the Swiss Life Index Funds (CH) Equity Switzerland High Dividend equity fund.
Real estate fund
The proven Swiss Life REF (LUX) ESG Commercial Properties Switzerland real estate fund invests in 39 prime Swiss commercial properties and has achieved excellent returns in the past few years. The properties are distributed throughout the strong economic regions of Switzerland, are situated in very good locations and are of high quality.
Equity fund
The low-cost Swiss Life Index Funds (CH) Equity Switzerland High Dividend equity fund tracks the SPI® Select Dividend 20 Index. This makes it possible to invest in Swiss companies with attractive dividends and stable business models.
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.
- The low-cost equity fund tracks the SPI® Select Dividend 20 Index, which tracks the 20 stocks offering the most attractive dividends from the Swiss Performance Index (SPI).
- 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 under the usual conditions.
Arrange a consultation
Do you want to learn more about Swiss Life Premium Assets 2026, or do you have any 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 10–12 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