Swiss Life Calmo is a non-tax qualified life annuity. Guaranteed regular annuity payments create self-determined financial flexibility for the rest of your life.

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    An AHV pension for a married couple is capped at CHF 3585 per month.

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    In Switzerland, a woman’s pension is on average 37% lower than that for a man.

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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. You can thus create security for yourself – and if you wish, for your partner as well. The life annuity is funded through a single premium.

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 self-determinedly and individually. For example, you can close the gap in the event of early retirement as needed. Simply choose a higher annuity before you reach full retirement age and then switch to a lower one once you start receiving your AHV benefits.
  • Adjustment of retirement cover: your partner can also be covered. The annuity will then still be paid even after the death of the first insured person. You determine the amount of the annuity – based entirely on your pension situation.
  • Financial protection: thanks to the contractually guaranteed refund amount, your family or other beneficiaries designated by you will receive the remaining capital in the event of your death.

Make an appointment for a consultation

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

More about the product

You can choose between an immediate or a deferred start to your annuity payments. In the case of a life annuity with deferred annuity payments you can determine the length of the period before commencement of annuity payments.

You receive the annuity payments for the rest of your life.

Swiss Life guarantees payment of the pension 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.

You can choose an annuity with or without a premium refund. In the case of the refund option, the remaining refund amount is paid out at the end of the contract as a result of the death of the insured person.

In the case of benefits without a premium refund, no residual payment is made upon termination of the contract as a result of the death of the insured person. Annuities without a premium refund are higher than those with return of premiums.

  • Stamp duty: 2.5% of the single premium in the case of an annuity with a premium refund
  • During the deferral period:
    • for lifelong annuities without a premium refund: no wealth tax
    • for lifelong annuities with a premium refund: the surrender value is subject to wealth tax at cantonal level. (The surrender value is the amount we pay out to you if you surrender your insurance contract.)
    • annuity payment period: annuity payments are taxable together with other income as income at 40%. The surrender value of the insurance is subject to wealth tax.

Product comparison

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