Swiss Life Opportunities Duo is a fund unit-linked life insurance product offering attractive potential returns and risk protection. Financed with monthly premiums, it can be concluded as part of a combined pension plan, either in tax-qualified provisions (pillar 3a) and in non-tax-qualified provisions (pillar 3b). You can choose from a first-class range of investment funds and individual investment stories.

In brief

Would you like to make returns on your savings while also having the option to make extensive adjustments to your savings plan? This fund unit-linked insurance (3a/3b) plan, financed by periodic premiums, offers you exactly that, while at the same time providing you with the right balance between returns and security. You can strategically accumulate assets with carefully selected investment funds.

Here's how it works: Swiss Life Opportunities Duo uses a defensive and an offensive element to invest your savings in cost-efficient investment funds. The savings premium is divided between both elements according to your investment strategy. The offensive element offers a range of return-oriented investment funds to choose from, which can also be combined with each other. Alternatively, you can choose from three investment stories. Simply choose the approach that best meets your needs. The defensive element consists of a low-fluctuation investment fund.

Your benefits at a glance

  • Potential returns: individual configuration of your investment using attractive investment funds
  • Individual and customised: you are free to select the premium split, the composition of the investment and the investment strategy, and you can adjust them during the term.
  • Flexibility: various adjustment options, such as switching between pillars 3a and 3b.
  • Tax advantages: premiums in pillar 3a can be deducted from your taxable income. In pillar 3b, investment income is tax-exempt if certain conditions are met.
  • Simple handling: you don’t have to worry about a thing. Swiss Life Opportunities Duo automatically implements your investment strategy thanks to rebalancing.
  • Financial protection: protect yourself and your family from financial difficulties caused by illness, accident or death.
  • Option Privilege: coverage extension guarantee for a simplified increase in risk coverage, including a discount on the additional lump-sum death benefit. The privileged partial surrender also increases the equity for the financing of owner-occupied residential property.

Arrange a consultation

Do you want to learn more about Swiss Life Opportunities Duo, 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

  • The fund assets are paid out in the event of survival. In the event of death, the available fund assets are paid out, but at least the guaranteed lump-sum death benefit (if insured).
  • If you become disabled, Swiss Life continues to pay all or some of the premium for you after expiry of the waiting period (if this option has been selected).

Pillar 3a:

  • During the policy term: premiums can be deducted from your taxable income up to the statutory maximum amount. No income or wealth tax has to be paid.
  • In the event of survival and death: the lump sum payable is taxed at a reduced rate, separate from other income.

Pillar 3b:

  • During the policy term: wealth tax on the surrender value (at cantonal level only).
  • In the event of survival: no income tax, provided certain conditions are met
  • In the event of death: no income tax (inheritance tax depending on canton)

The benefits are not guaranteed in the event of survival or death (unless specifically insured). The insurance benefit corresponds to the value of the fund assets. You bear the fluctuation risk. If your fund units fail to appreciate over the policy term, the insurance benefit may be lower than the premium total.

  • Disability income
  • Short-term disability benefit
  • Waiver of premiums in the event of disability
  • Constant or annually decreasing lump sum in the event of death due to illness or accident
  • Additional lump sum in the event of accidental death

Possible at any time, be it the investment strategy, the investment funds used for the new premium or those of the existing contract balance.

  • Pillar 3a: possible after 3 years
  • Pillar 3b: possible after 5 years

Yes, your assets will gradually be reallocated to a low-risk investment.

  • Change of pillar: possible
  • Early withdrawal/surrender: possible in both pillar 3a* and pillar 3b
  • Premium increases: possible, in pillars 3a* and 3b
  • Supplementary payments: possible at any time for pillar 3a (including for previously declared funds)
  • Loans: possible in pillar 3b
  • Pledging: possible, in pillars 3a* and 3b
  • Designation of beneficiaries: in pillar 3a, prescribed by law; in pillar 3b, freely selectable

* The legal requirements must be complied with for pillar 3a.


Product comparison

  • Fund unit-linked investments offering potential return and risk protection

    Swiss Life Opportunities Duo

    • Free combination of funds
    • Can be structured in a number of ways
    • Tax-optimised investing
  • Optimum mix of security and return

    Swiss Life Dynamic Elements Duo

    • Good potential return
    • Defined payment schedule and amount
    • Free choice of security level
  • Promising savings with guarantee

    Swiss Life FlexSave Duo

    • Guarantees and potential returns
    • Benefit from index
    • Protection of profits