Put your money into unit-linked life insurance, and it will be invested in a fund portfolio consisting of three attractive investments.

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    More than 165 years of experience in managing investments

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    Swiss Life is the largest private real estate owner in Switzerland

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    More than 130 billion invested in bonds via Swiss Life

In a nutshell

Swiss Life Premium Assets STY is a unit-linked life insurance product. With this limited offer, your money is invested in a fund portfolio consisting of three exclusive investments: Swiss commercial property, high-yield bonds and hedged equity investments. Investment is via institutional funds and unit classes.


Your benefits at a glance

  • You benefit from the investment expertise of Swiss Life Asset Managers and the expertise and experience of the Swiss Life Group’s real estate specialists.
  • You are able to invest your money in investments which Swiss Life uses for its own employees in its pension fund, and which are otherwise only accessible to very wealthy investors.
  • No medical examination
  • All income during the term of the contract is tax-exempt if you meet the minimum requirements.
  • You enjoy other insurance benefits, such as death cover and free designation of beneficiaries, as well as inheritance and bankruptcy privileges. 

Arrange a consultation

Do you want to learn more about Swiss Life Premium Assets STY, or do you have any questions? We would be pleased to provide you with more information – in a personal and non-binding consultation.

More about the product

Your money will be invested in a fund portfolio consisting of three attractive investments.

You participate in a portfolio of selected bond funds, managed over the term of the contract. The Swiss Life pension fund also invests the assets of Swiss Life employees in these bond funds, among other investments. A high yield bond fund is used in the first few years.

Real estate
The proven real estate fund invests in high-quality Swiss commercial properties and has achieved excellent returns in the past few years.

Hedged equity investments
The equity fund invests in globally diversified shares. The hedging strategy cushions the effect of any major price falls, thus greatly reducing the investment risk. 


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

  • 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).

Product comparison

  • Focus on real estate, bonds and hedged equity investment

    Swiss Life Premium Assets STY

    • Funds of Swiss Life Asset Managers with a focus on real estate and hedged equity investments
    • Diversification via three asset classes with security aspects
    • High Yield Bonds Funds in the early years
  • Optimise return on investment and save on taxes

    Swiss Life Premium Comfort

    • Tax-optimised investment
    • Selection from three fund portfolios
    • Earnings protection possible