Swiss Life Premium Vitality Duo is fund-linked life insurance with attractive return potential. Financed with monthly premiums, it is available in tax-qualified provisions (pillar 3a) or in non-tax-qualified provisions (pillar 3b) (combined provisions).

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    The longer the investment horizon, the more sense it makes to have high equity exposure

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    The equity exposure selected in 3a funds amounts on average to just 22%

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    100% equity exposure is also possible in pillar 3a

In a nutshell

Would you like to save in an income-oriented manner? And while doing so, would you also like to protect your family’s future? If so, we recommend Swiss Life Premium Vitality Duo. This unit-linked life insurance offers a choice of guaranteed lump-sum death benefit or a waiver of the premium if you become disabled. Additional insurance cover is also available.

Furthermore, with this combined pension plan if certain conditions are met, you can switch at any time from pillar 3a to pillar 3b – and vice versa.

And you’ll be covered if you suspend your disability for an extended period of time: for example, for continuing education or maternity leave. Even if you are no longer able to contribute to pillar 3a, you’ll benefit from guaranteed insurance cover for the entire term of the contract thanks to the link between the contracts.

Your benefits at a glance

  • Potential returns: by investing your net premiums in one or more investment funds, you participate in the development of the capital markets and earn attractive returns if the fund performs well.
  • Fund selection: you can choose from a first-class offering of investment funds, arranging and weighting these funds in accordance with your wishes.
  • Financial protection: you can conclude insurance cover in the event of death or disability individually or in combination.
  • Optional exit management at no charge: at the end of the term, we will shift your fund assets into a low-risk investment – incrementally. This protects you against negative market factors and reduces your investment risk.

Make an appointment for a consultation

Want to learn more about Swiss Life Premium Vitality Duo, or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation.


To range of funds

More about the product

Swiss Life invests monthly in the selected investment fund(s). You can structure your fund investment individually and change it at any time.

We provide you with information about the performance of the fund investment on an annual basis.

At the end of the contract, you’ll receive a payout of all fund assets.

You can conclude insurance cover in the event of death or disability – individually or in combination:

  • In the event of disability, Swiss Life pays out the contractual annuity. We’ll also take over the premium payments – so you’ll achieve your savings goals no matter what.
  • In the event of death, you protect your family or other designated beneficiaries.

Yes. The suffix “Duo” means that you can switch between pillars during the term of the contract. That way, you’ll be sure to achieve your savings target – no matter what type of disability you have.

Product comparison

  • Fund-linked savings offering potential return and risk protection

    Swiss Life Premium Vitality Duo

    • Good potential return
    • Defined payment schedule and amount
    • Free fund selection
  • Optimum mix of security and return

    Swiss Life Dynamic Elements Duo

    • Good potential return
    • Defined payment schedule and amount
    • Free choice of security level
  • Tax optimised saving in pillar 3a/3b

    Swiss Life Premium Comfort Duo

    • Potential return
    • Selection from four fund portfolios
    • Tax-optimised saving