Swiss Life Calmo is a tax-qualified life annuity – with guaranteed regular annuity payments for plannable financial flexibility. So you can remain self-determined for the rest of your life.

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    An AHV pension for a married couple is capped at CHF 3 585 per month.

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    A third of all those who take early retirement receive payments from pillar 3a.

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    Planning security thanks to a lifetime pension

In brief

Swiss Life Calmo is the right choice for you if you want to increase financial stability in retirement with the help of regular income and invest existing pillar 3a assets securely.

Your advantages at a glance

  • Guaranteed income: Swiss Life contractually guarantees the amount of your annuity payments – for life.
  • Early retirement: You determine the amount and timing of the annuity payment: for example, you can close any pension gap as necessary if you decide to retire early by selecting a higher annuity before retirement and reducing it as soon as your AHV pension begins.
  • Financial protection: the refund amount is contractually secured. In the event of your death, your family or other beneficiaries designated by you will receive a remaining lump sum.

Make an appointment for a consultation

Want to learn more about Swiss Life Calmo single premium – pillar 3a or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation.

Make an appointment for a consultation

Want to learn more about the Swiss Life FlexSave Duo product or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation. We would also be happy to advise you by video instead of in the General Agency or at your home.

You’re just two clicks away from your pillar 3a consultation!

We will be happy to advise you in a non-binding 15-minute phone conversation.

More about the product

You invest your accumulated pillar 3a savings as a single premium and determine the length of the period before commencement of annuity payments (deferred pension). On the commencement date, the capital sum is converted into an annuity.

Swiss Life guarantees payment of the pension for life. The amount of the pension payments may increase as a result of bonuses.

Swiss Life guarantees payment of the annuity for life. The amount of the annuity payments may increase as a result of non-guaranteed bonuses. The amount of the bonuses is defined each year and is not guaranteed. The amount depends in particular on the investment income generated each year and on the risk and cost result.

  • No stamp duty
  • No wealth tax
  • The annuities are fully taxable by the federal and cantonal governments along with other income.
  • If capital is withdrawn before the start of annuity payments in the framework of the statutory options available under the BVV3 ordinance, the amount paid out is subject to direct federal tax and is generally subject to a one-off tax in all cantons separately from other income.
  • Beneficiaries who receive a premium refund in the event of the insured person’s death must pay a one-off tax separately from other income.

Product comparison

  • Guaranteed regular supplementary income – for life

    Swiss Life Calmo single premium – pillar 3a

    • Lifetime pension
    • Tax-privileged deposits
    • Attractive guarantees
  • Guaranteed regular supplementary income – for life

    Swiss Life Calmo single premium – pillar 3b

    • Lifetime pension
    • Tax-privileged payouts
    • Attractive guarantees
  • Enhance your future provisions with a guaranteed supplementary income

    Swiss Life Calmo IncomePlan

    • Payout plan and pension
    • Tax optimised
    • Guarantees and potential returns