This new type of savings and risk insurance is modular and can be structured in a number of different ways. It offers an optimal mix of security and returns – thanks to the two intelligently linked savings elements.

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

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    Equity exposure of up to 95% possible

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    42% of Swiss want to be financially independent

In a nutshell

Swiss Life Dynamic Elements includes a traditional insurance component (security element) and a fund-linked insurance component (return element). You determine the investment strategy that will be used to split your periodic savings premium and invest the two components.

Your benefits at a glance

  • Potential returns: with the return element, we invest the corresponding portion of the savings premium in an equity fund portfolio. In doing so, we rely on low-cost ETFs (passively managed funds that track the performance of an index) or funds that are otherwise only available to institutional investors.
  • Security: the portion of the savings premium intended for the security element is invested by Swiss Life, which pays interest on it.
  • Tax advantages: the payout in pillar 3b is exempt from income tax if certain conditions are met.
  • Flexibility: thanks to its various adjustment options, such as changing the premium split, Swiss Life Dynamic Elements can be adapted to your changing needs.
  • Simple handling: you don’t have to worry about a thing. Swiss Life Dynamic Elements automatically implements your desired investment strategy.
  • Financial protection: you protect yourself, your family and those around you from financial difficulties due to illness, accident or death.
  • Option Complete: this option allows you to increase the risk cover in the event of changed life circumstances, without the need for a medical examination. The option also includes preferential terms and conditions for Swiss Life fixed-rate mortgages.

Make an appointment for a consultation

Want to learn more about Swiss Life Dynamic Elements, 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 increase your risk cover as part of the coverage extension guarantee, for example when you purchase a home. You also receive special terms and conditions on Swiss Life fixed-rate mortgages.

Yes, you can adjust the savings premium split between the security and return elements.

You can transfer the return element to the security element whenever you want – and vice versa.

There are two premium split options:

  • With the dynamic premium split, the security component increases over the term of the contract.
  • With a constant premium split, the security and return components remain unchanged.

 

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In the case of the security element, the part of the savings premium defined by the premium split is invested by SwissLife on an interest-bearing basis.

Interest for the security element from 1 January 2021: 2.00%
Interest rate security element for supplementary payments from 1 January 2021: 1.85%

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Would you like to fulfil your dream of residential property?

Discover the many opportunities offered by Swiss Life Dynamic Elements.

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Swiss Life Dynamic Elements – flexible for every requirement

Find the optimal balance between returns, security and risk.

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Do you still have sufficient risk coverage?

Swiss Life Dynamic Elements allows you to individually adapt your risk protection.

Product comparison

  • Optimum mix of security and return

    Swiss Life Dynamic Elements Uno

    • Security and potential return
    • Free choice of security level
    • Great flexibility
  • Tax-optimised saving in pillar 3b

    Swiss Life Premium Comfort Uno

    • Potential return 
    • Selection from four fund portfolios
    • Tax-optimised saving
  • Promising savings with guarantee

    Swiss Life FlexSave Uno

    • Guarantees and potential return
    • Benefit from index developments
    • Protection of profits