For anyone who wants to pass on their assets in a self-determined manner and in accordance with their wishes: our inheritance advisors develop personal solutions.

  • Around CHF 60 billion in assets are bequeathed every year in Switzerland.

  • Some 80% of heirs are older than 50; 40% are over 65.

  • Only 25% of Swiss citizens have a written contract for their estate.

The laws on matrimonial property and inheritance offer numerous options for structuring estate planning in accordance with your personal needs. Our pension and financial advisors keep their focus on you when they help you in this regard. We review the matrimonial property and inheritance circumstances, provide the necessary documents and take account of future phases of your life of financial importance. We can also advise you in other legal areas as well, including the law concerning gifts and the law related to the protection of adults (advance care directives and patient decrees). Because it’s never too early to determine the future of your assets.

Your benefits at a glance

Matrimonial property and inheritance law
We will show you the statutory requirements, review your personal situation and advise you on your structuring and disposal options with respect to marriage contracts, wills, inheritance contracts and contracts of donation.

Inheritance and gift taxes
We will show you the inheritance and gift-tax consequences of the various structuring options. The tax implications must be taken into account, especially with so-called “patchwork families”, inheritances granted to people other than close relatives, preliminary and reversionary inheritance structures, legacies or usufruct solutions.

Law on the Protection of Adults
We can advise you on matters related to the inability to make judgements and explain to you your self-determination options, such as advance health directives and patient decrees.

Make an appointment for a consultation

Would you like to learn more about inheritance and succession planning at Swiss Life, or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation.

More about it

With a will (unilateral arrangement), you can affect the order of succession. You can designate individual beneficiaries, name third parties as heirs, and order usufructs, legacies and preliminary and reversionary heirs. In addition, allocation and valuation rules, burdens and conditions and substitution orders can be defined and executors can be appointed. The will may either be handwritten or officially recorded and certified (notarised).

With a contract of inheritance (multilateral arrangement), the testator can make arrangements with the heirs or a third party. He or she may impose obligations (heir designation or legacy contract) – and/or require heirs to make a (partial) renunciation (inheritance renunciation contract). Failure to observe statutory shares, allocation and valuation rules, and other testamentary provisions may be arranged in a binding manner with the consent of the relevant parties. You must have a contract of inheritance officially recorded and certified (notarised).

A contract of inheritance also makes sense in the case of complex assets and/or family relationships (patchwork) and is always advisable when you seek a pragmatic solution and want to avoid future disputes among your heirs.

With a matrimonial agreement you can change the marital property regime and/or adjust the allocation of assets within the property regime if the marriage is dissolved by death. We can help you find a solution that best meets your situation. You must have the matrimonial agreement officially recorded. You can conclude the contract before you marry or after.

Privatbankiers

Financial planning

How do you expect to retire – gradually, early or a few years later? How can you save on taxes and optimise home financing? Start planning your finances for later early on and take advantage of financial planning to ensure a longer self-determined life.