By accessing our website https://www.swisslife.ch (including sub-websites; collectively the "website") and the services, information, tools and documentation described or linked therein, you acknowledge and agree to the following legal notices and terms of use.

Dual male-female forms will not be used here in order to improve readability.

General information

No offer and no advisory relationship

Our website, with its data, information, references, documents and tools, is primarily intended for the presentation of our company and our products and services. The data given here are provided for information purposes only and do not constitute any kind of legal, fiscal or business recommendation.

None of the suggestions, checklists, models, recommendations, profiles or calculation examples contained therein constitute offers for taking out contracts or invitations to submit a tender, but are intended only to illustrate possible insurance or financing solutions. Tables, charts, information sheets, overviews, automatically generated calculations including those of a fiscal nature, evaluations etc. are not binding and are intended to serve only as guidelines, except in the case of online offers or quotations specifically designated as being binding.

Accessing our website in no way creates any customer relationship with Swiss Life, nor does it constitute
the basis for an advisory relationship.

Future developments and external influences

All data, information and recommendations contained on our website, specifically those of a forward-looking nature, are based on the current state of knowledge at the date of creation and are provided to the best of our knowledge and belief. Figures shown in overviews, tables, graphic illustrations and information sheets may be based on estimates and forecasts. If or when additional or new information becomes available, such data and information can be updated. However, Swiss Life is not obliged to update data and information on an ongoing basis. Data, information and recommendations can also be influenced by particular factors such as changed market trends, currency and stock market fluctuations, changes in the competitive environment as well as in the political, social, legal and regulatory framework conditions, which are beyond Swiss Life's scope of influence. No binding recommendations or definitive conclusions may therefore be derived from any statements contained on this website. Historical performance is no guarantee of future developments.

No warranty

Swiss Life takes great care to ensure that the information contained on its website is correct and up-to-date. However, Swiss Life neither explicitly nor implicitly guarantees that the data, information and references on its website, as well as the website's functions, are at all times correct, complete and available. The data and information are provided by Swiss Life on an "as is" and "as available" basis.

Swiss Life does not guarantee technically faultless and uninterrupted access to its website, nor can it guarantee that use of the website will not lead to other technical problems. Moreover, Swiss Life does not guarantee that its website does not contain viruses or errors.

Accordingly, no liability shall be accepted for any use of this website and, in particular, no suitability for any particular purpose or marketability is guaranteed. 

Disclaimer 

Your use of the internet or this website, respectively, as well as of any further links, hyperlinks and web addresses and their content, is entirely at your own risk. This also applies to e-mails you send to Swiss Life via non-secured channels or that you receive from third parties fraudulently on behalf of Swiss Life. Swiss Life, and the cooperation partners it engages for operating the website, accept no liability whatsoever for direct or indirect loss or damage incurred by users of the website or by third parties as a result of contacts or transactions made via the internet. In particular, they shall not be held liable for the accuracy, timeliness or completeness of the data, information and content shown or transmitted via the internet.

Linked websites

Swiss Life makes no assurances in connection with third-party providers' websites that can be accessed via a link on this website. Information contained on third-party websites is independent of Swiss Life’s own information. Links, hyperlinks and web addresses leading to one or more other websites are for information purposes only and in no way imply that Swiss Life assumes responsibility for the content of such websites or approves of their content or use. These legal notices and terms of use apply only to the website operated by Swiss Life; in the case of linked websites of third-party providers, the terms and conditions of use of those websites apply.

Indemnification

Swiss Life is to be held entirely harmless for any damage of any kind arising from the use of its website and the contents or services accessed through it, for non-fulfilment of these legal notices / terms of use and for any allegations that the use of the website or of its content or services offered through it infringes third-party intellectual property rights. 

Internet security / e-mails and phishing

General

Despite various technical security measures, the use of the internet and computer systems entails risks. Accordingly, end-users are encouraged to take appropriate precautions. Among other things, browser settings must be securely configured, virus protection systems must be installed, software must be kept up to date by installing the latest updates and patches, passwords must be kept secret and special care must be exercised when opening websites and e-mails and their attachments.

It is also recommended to regularly delete your browsing history (including cookies and cache) and not to react to possible spam messages so as not to encourage spamming.

Persons using our website do so always at their own risk.

E-mails and phishing

Normal (unencrypted) e-mails sent over the internet are not secure and may be lost or intercepted, viewed and/or changed by third parties in Switzerland or abroad.

For further information on contacting Swiss Life, please refer to our "Security information for Swiss Life customers".

Third parties may send so-called phishing e-mails for the fraudulent acquisition of data and information (possibly by means of spam e-mails), text messages or messages via social media or other communication channels, in some cases unlawfully using Swiss Life names or logos. Websites may also be recreated in order to retrieve personal data and information.

E-mails and other messages may have unsafe attachments or links containing viruses, malware or other harmful content. You should refrain from opening attachments or links of unknown or suspicious origin or downloading files from e-mails. In addition, you must take care as to which websites you visit. Sensitive personal data and information as well as passwords may not be disclosed or forwarded. Passwords must also be changed regularly. 

Data protection and data security

Swiss Life may process your personal data in order to provide the website, to make the services, information, tools, documentation and functionalities integrated therein accessible, to analyse user behaviour and to generate personalised advertising. Please refer to the separate website privacy policy for all details regarding the processing of your personal data (including our Cookie Policy and Cloud Computing notes). This is available at: "Privacy policy". 

Copyrights, trademarks and logos

Our website contains proprietary names as well as images and information, brands, logos and company names that are protected by copyright. All rights to these remain with Swiss Life or the relevant rights holder. The applicable laws on the protection of intellectual property prohibit any copying or use of the content mentioned, either in full or in part and including the Swiss Life logo.

No data, information, pictures or references on our website may be copied, reproduced, altered, distributed or used in any way whatsoever without the explicit written consent of Swiss Life, unless Swiss Life has expressly permitted such use for specific purposes (e.g. downloads). Use of the website is not to be construed as the granting of any licence by Swiss Life. Furthermore, the systematic and regular (technically supported) retrieval of content from our website without the written consent of Swiss Life is prohibited.

If you would like to apply for approval to copy information contained on this website that is not freely available for use, please contact Swiss Life. Where copying is permitted, such copies must bear the corresponding references to copyright and other proprietary rights of Swiss Life or, as the case may be, any existing references to such rights must be retained in unchanged form.

Licence for distribution

Headquartered in Zurich, Swiss Life is licensed to market its products in Switzerland and the Principality of Liechtenstein. If you would like to receive information about the conclusion of contracts by persons resident outside Switzerland or the Principality of Liechtenstein, we recommend you contact a local Swiss Life office in your vicinity or one of our branch offices or subsidiaries through our website https://www.swisslife.com.

Right of modification

Swiss Life reserves the right to amend these legal notices and terms of use at any time and without prior notice.  

Applicable law and place of jurisdiction

These legal notices and terms of use as well as all legal relationships arising from the use of this Swiss Life website are governed by substantive Swiss law. The exclusive place of jurisdiction is Zurich (Switzerland). 

© Swiss Life Ltd
General-Guisan-Quai 40
CH-8002 Zürich, Switzerland
October 2021

General information

Swiss Life Ltd (hereinafter referred to as “Swiss Life”) operates and provides web-based functionalities and services under the name Swiss Life customer portal in the form of an individual portal (“Swiss Life customer portal”). It may only be used for private purposes by private individuals (“users”) who have successfully completed the registration process for the portal.

The Swiss Life customer portal is currently available at the following URL: https://www.swisslife.ch/en/portal

The use of the Swiss Life portal is governed by these Terms and Conditions of Use. By accessing the Swiss Life customer portal, users declare their consent to these Terms and Conditions of Use and acknowledge their binding effect. Users further acknowledge that all information and data provided or processed via the Swiss Life customer portal can also be viewed by Swiss Life, even if the customer has a contractual relationship with another Swiss Life Group company.

In the interests of readability, no simultaneous use is made of the language forms masculine, feminine and other (m/f/o). The designation of persons applies equally to all genders.

Security standards and risks

The security of the Swiss Life customer portal is continually reviewed and updated in order to ensure adequate protection of user data against unauthorised access or loss.

Although Swiss Life takes the security and uninterrupted operation of the Swiss Life customer portal very seriously and implements the security measures described above, the security, uninterrupted availability, timeliness and confidentiality of the data displayed and/or transferred via the Swiss Life customer portal cannot be guaranteed due to the open nature of the internet. Use of the Swiss Life customer portal and the internet is therefore at users’ own risk (as is the storage of data and documents on the users’ work stations). Users are advised to take some extra precautions to increase security (firewall, virus protection, security patches etc.) and to activate the security settings on the hardware and software they use as recommended by the manufacturer.

Scope of right of use

The Swiss Life customer portal is intended for simple, non-exclusive and non-transferable proper use. This comprises, but is not limited to, calling up, transmitting, downloading, saving and reproducing data and information and using programs and program parts, within the user's own system as allowed by these Terms and Conditions of Use and within the scope of the technical limitations of the Swiss Life customer portal. Any other use of the Swiss Life customer portal is prohibited.

The web application provided to users remains the sole property of Swiss Life. Any further rights such as commercial rights, copyright and all rights of use not explicitly transferred to the user also remain with Swiss Life and/or the owners of the property rights to the software.

Commercial use of access to the Swiss Life customer portal or the services offered as part of the Swiss Life customer portal, in particular their resale, is prohibited.

Paperless delivery of documents

Users can configure the customer portal so that future communications and documents relating to business transactions with Swiss Life or employee benefits institutions (e.g. policies, invoices, pension fund certificates) are sent electronically. In this case, users are notified when new documents are available via an e-mail sent to the address saved in the Swiss Life customer portal for electronic document dispatch. Messages/documents shall be deemed to have been delivered as soon as they are available for download in the Swiss Life customer portal.

Swiss Life also remains entitled to send documents to users additionally by post or only by post. Users can request documents by post or e-mail at any time via “Settings” in the Swiss Life customer portal.

Maintenance and support

Maintenance work and updates for the Swiss Life customer portal are carried out during off-peak hours as far as possible. The availability of the Swiss Life customer portal cannot be guaranteed during maintenance and update work.

Users’ duties and obligations

In order to use the Swiss Life customer portal, users must have the usual standard of hardware and software required to connect to the internet (internet-compatible configuration) (“equipment”) and especially a browser supported by the Swiss Life customer portal.

Users shall use the Swiss Life customer portal and/or its associated (IT) services and functionalities only as intended, i.e. in particular only in accordance with these Terms and Conditions of Use, and they shall not misuse them. Users shall in particular not cause any disruption to the Swiss Life customer portal when using the Swiss Life customer portal, shall not transmit any advertisements, harassing messages (spam), viruses or other malware or illegal or unethical content, and shall not infringe any third-party rights (e.g. copyrights and trademarks) or otherwise breach legal provisions.

Swiss Life reserves the right to block individual access to the Swiss Life customer portal, in particular if users use the Swiss Life customer portal in an unlawful or contractually prohibited manner, or if blocking access is required to protect users’ data.

Login identification and authentication

To use the Swiss Life customer portal, users must register and verify their identity.

User accounts will not be activated until the identity and address details of users have been validated using the information provided by the users (including biometric data). Alternatively, users can use an external profile (e.g. SwissID, Google or Microsoft) to register.

Following initial registration, the Swiss Life customer portal is accessed by entering the user name and password (access data). Users must change the password sent to them immediately upon receiving it and subsequently change their password from time to time. Access data may not be sent or made available to third parties. Should users discover that their access data has been obtained by a third party without authorisation or are being used by such a third party, they must notify Swiss Life of this immediately by using the form on the following website: https://www.swisslife.ch/en/about-us/footer/vulnerability-disclosure-policy.html

Any actions taken or access to the Swiss Life customer portal using the access data constitutes an action or access by users, in particular also any requested completion of transactions or conclusion of products. Swiss Life is not obliged to carry out further checks on users’ authentication and assumes no liability for losses resulting from any unlawful use or use exceeding the allocated authorisation of the access data or the web application.

Data processing

The Group companies of the Swiss Life Group process the following data in particular in connection with the Swiss Life customer portal:

  • the data provided by users, including the e-mail address and mobile phone number provided;
  • data from the use of the portal, including access data, details of accesses, transactions and changes, search terms used and details of the operating system, browser and screen settings.

This data is communicated by users, collected through cookies and other technologies when using the portal, or obtained by third parties. The Group companies of the Swiss Life Group may use this data for the following purposes, subject to mandatory provisions of applicable law:

  • processing of requests and contract management;
  • improving the user experience and optimising the services;
  • marketing purposes including content and offers tailored to the user, both within and outside the customer portal, e.g. on third-party websites and in social media and through messages, e.g. by e-mail, push notification or letter;
  • to deliver messages, information and notifications via e-mail or social media or other electronic communication channels.

Data may be aggregated with data held by third parties and re-used and shared in an anonymised form.

Users may object to the use of their data at any time: datenschutz@swisslife.ch. Further information on data processing by Swiss Life can be found in the customer portal data protection policy.

Data protection

For matters relating to data protection law, please refer to the separate privacy policy. These can be found on the websites of Swiss Life  (Swiss Life Ltd: www.swisslife.ch/privacy and Swiss Life Wealth Management Ltd: www.swisslife-wealth.ch/dataprivacy DE, FR,IT only).

Disclaimer of warranty

Swiss Life has no obligation to make the Swiss Life customer portal available on a permanent or uninterrupted basis, and provides no guarantee that the Swiss Life customer portal will be available or free of interruptions.

Equally, Swiss Life provides no guarantee as to the accuracy, completeness and timeliness of the data, information or documents offered, processed, made accessible or transferred via the Swiss Life customer portal by Swiss Life, its partners, users or third parties. Any information, performance data and images provided in the Swiss Life customer portal are for information purposes only. This data cannot be used as the basis for any rights. The information, performance data and images provided were produced with customary due diligence.

Only the Swiss Life administration and partner systems or information and documents provided via the internet or in another format and the data and information about the user in the Swiss Life customer portal can be used for all simulations, enquiries, calculations, requested completion of transactions and for subscribing to a product in the Swiss Life customer portal. No claims shall arise in respect of Swiss Life, companies in the Swiss Life Group or its employee benefits institutions (e.g. Swiss Life Collective BVG Foundation) or towards partners and providers of Swiss Life in the event of manipulations of the system or of the software provided by Swiss Life or of the security settings, data and information or in the event of the provision of incorrect data or the forging of data by the user or third parties.

Disclaimer

 

With regard to the Swiss Life customer portal, Swiss Life shall exclusively be liable for losses caused intentionally or through gross negligence. Any further liability is excluded to the extent permitted by law.

Adjustments and termination of use

Swiss Life may restrict or change the functionalities of the Swiss Life customer portal at any time. There is no entitlement to the permanent or unchanged availability of the portal. Use of the app can also be terminated at any time by users or by Swiss Life, with or without good cause. In the event of termination of use, any paperless option selected in the portal (see above) will expire.

Cookies

The Swiss Life customer portal can send cookies to users’ work stations, which are then stored there. A cookie is a string of data that is used to automatically collect data about the use of a website. This data also includes the IP address (internet protocol address) of users, similar, in terms of its function, to users’ telephone numbers. Data received via cookies is primarily used for the management, quality assurance, collection of demographic data and to monitor the use and efficiency of the Swiss Life customer portal. If the cookie feature is disabled on users’ work devices, or the corresponding filters are used, it may not be possible to properly retrieve or receive all information and data via the Swiss Life customer portal. Swiss Life rejects any and all liability for any losses resulting from such limited use.

Further provisions

Swiss Life may amend the Terms and Conditions of Use at any time. Any amendments are shown in the customer portal. They shall be deemed to have been accepted if users continue to use the Swiss Life customer portal.Changes to the terms of use will be published in the Swiss Life customer portal.

In addition to these Terms and Conditions of Use, the Legal Notices and Terms and Conditions of Use published on the websites of Swiss Life (https://www.swisslife.ch/en/legal and https://www.swisslife-wealth.ch - DE, FR, IT only) shall apply.

Swiss law applies. The exclusive place of jurisdiction is Zurich.

© Swiss Life Ltd, February 2026

1. Introduction

Swiss Life Ltd (hereinafter “Swiss Life”) structures its business activities in such a way that the interests of its customers, employees and business partners are all taken into account equally. Here it should be borne in mind that conflicts of interest may arise in various areas and situa-tions. A conflict of interest may arise, for example, when decisions to be made may be influenced by personal interests such as family relationships, friendships, economic ties, financial incentives or other factors.

The Ordinance on the Supervision of Private Insurance Companies sets out what constitutes a conflict of interest (Art. 14b AVO). This is particularly the case:

  • if Swiss Life, in bad faith, is able to obtain a financial benefit for itself or avoid a financial loss to the detriment of certain policyholders;
  • or if Swiss Life has an interest in the outcome of an insurance service which is contrary to that of the policyholders.

Swiss Life shall deal with (potential) conflicts of interest transparently and in accordance with the applicable legal and regulatory requirements. As such, Swiss Life has included rules in its Code of Conduct and internal directives that stipulate how to identify, avoid and deal with con-flicts of interest. The information below shows you how Swiss Life deals with conflicts of interest and what measures it takes to prevent them from arising, or to manage existing ones appropriately. 

2. Types of conflicts of interest

2.1 Involved parties
Conflicts of interest can arise in many contexts and between different parties, including between:

  • Swiss Life / its employees and customers;
  • Swiss Life and its business partners;
  • Swiss Life and its employees;
  • Different Group or business units within Swiss Life; 
  • Swiss Life and external third parties who work on behalf of Swiss Life.

2.2 Reasons for conflicts of interest
Conflicts of interest may arise for various reasons. Common causes include: 

  • personal relationships or interests
  • the prospect of individual financial advantages;
  • financial interests in competitors;
  • personal benefits in connection with secondary or subsequent employment.

2.3 Possible conflict situations
A conflict of interest can arise in various situations, such as:

  • when developing and designing products;
  • when selling products or services;
  • with regards to commission payments for selling products;
  • in the context of advising on, accepting and processing insurance contracts or con-tracts of affiliation;
  • when entering into and managing business relationships with business partners, in particular sales and cooperation partners;
  • when paying compensation to employees, agents or other business partners; 
  • when employees have secondary employment outside of Swiss Life;
  • if employees are involved with other companies, particularly in the area of insurance mediation.

Whether a conflict of interest actually arises in these situations must be assessed on a case-by-case basis.

3. Principles on how to deal with conflicts of interest

Swiss Life takes reasonable precautions to identify conflicts of interest at an early stage, to pre-vent them and, if they cannot be avoided, to deal appropriately with them. In this regard, Swiss Life applies the following principles:

  • Conflicts of interest must be identified as early as possible;
  • Wherever possible, conflicts of interest are avoided through organisational or other measures;
  • If conflicts of interest cannot be avoided, appropriate measures and procedures are defined to manage them responsibly;
  • If it cannot be ruled out that a customer may be disadvantaged as a result of a conflict of interest, the customer shall be informed transparently;
  • If the precautions taken are not sufficient to protect the customer’s interests, Swiss Life shall not enter into the transaction in question.

Swiss Life considers it to be of the utmost importance to treat it customers in a fair, transparent manner. Internal guidelines and controls ensure that it is able to do so. 

4. Details on dealing with conflicts of interest

Swiss Life analyses and evaluates potential conflicts of interest in its various business units and consistently applies the principles described above.

Depending on the nature of the conflict of interest, specific measures have been defined for indi-vidual areas and the corresponding directives have been issued. Amongst other things, this ap-plies to:

Confidentiality of price-relevant information: Employees of Swiss Life are prohibited from using insider information for their own benefit or from passing it on to third parties, in particular to people close to them (e.g. family members or friends) who might exploit this information (no “tip-offs”).

Employment of family members: If employees have any influence on the contractual condi-tions of family members (e.g. employment, promotion, performance evaluation, compensation), this must be disclosed.

Gifts and invitations: Employees must take a critical approach towards accepting gifts or invita-tions. Whatever the value, a gift or invitation should not be accepted if it could give the appear-ance of bribery or a conflict of interest. Monetary gifts (e.g. cash, account credits, cheques, kick-backs) are generally not permitted, from either customers or business partners.

Functions outside Swiss Life – ancillary activities: Swiss Life supports Switzerland’s militia system. Nevertheless, ancillary commercial activities in particular must be carefully reviewed by Swiss Life prior to employees accepting them in order to avoid conflicts of interest. Swiss Life has internal rules and procedures in place to ensure that any conflicts of interest in connection with ancillary activities can be identified and prevented at an early stage.

Personal involvement: An employee’s involvement with a company can lead to conflicts of in-terest, particularly if a business relationship with the Swiss Life Group exists or is imminent. In such cases, there is a disclosure obligation in order to rule out any appearance of bias or favourit-ism.

5. Informing customers if a potential disadvantage cannot be ruled out (disclosure)

If, in the event of a conflict of interest, it cannot be ruled out that the customer will be disadvan-taged, Swiss Life shall inform the persons affected transparently of the existing conflict of inter-est prior to any contract being concluded. This may be disclosed in a number of ways, such as in person, in contractual documents, information sheets, product documentation and on the Swiss Life website. 

6. Reporting suspected misconduct

Swiss Life’s integrity and reputation are two of its core values. To uphold these values, Swiss Life offers its employees the opportunity to report suspected misconduct in dealing with conflicts of interest within the company. Any suspected incidences of misconduct can be reported confiden-tially and, if required, anonymously.