Swiss Life Calmo is a tax-qualified life annuity. Guaranteed regular annuity payments create predictable financial flexibility for the rest of your life.

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    An AHV pension for a married couple is capped at CHF 3 525 per month

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    A third of all those who take early retirement receive payments from pillar 3a 

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    Planning security thanks to a lifetime pension

In a nutshell

Swiss Life Calmo is the right choice for you if you want to increase financial stability in retirement with the help of regular income and you would like a secure investment option for existing pillar 3a assets.

Your benefits at a glance

  • Guaranteed income: Swiss Life contractually guarantees the amount of your annuity payments for life.
  • Early retirement: you determine the amount and timing of the annuity payment individually. For example, you can close any pension gap as necessary if you decide to retire early by selecting a higher annuity before retirement and reducing it as soon as your AHV pension begins.
  • Financial protection: thanks to the contractually guaranteed refund amount your family or other beneficiaries designated by you will receive the remaining capital in the event of your death. 

Make an appointment for a consultation

Want to learn more about Swiss Life Calmo single premium – pillar 3a 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 invest your accumulated pillar 3a savings as a single premium and determine the length of the period before commencement of annuity payments (deferred annuity). On the commencement date, the capital sum is converted into an annuity.

Swiss Life guarantees payment of the annuity for life. The amount of the annuity payments may increase as a result of bonuses.

Swiss Life guarantees annuity payments for life. The amount of the annuity payments may increase as a result of non-guaranteed bonuses. The amount of the bonuses is defined each year and is not guaranteed. The amount depends in particular on the investment income generated each year and on the risk and cost result.

  • No stamp duty
  • No wealth tax
  • The annuities are fully taxable by the federal and cantonal governments along with other income.
  • If capital is withdrawn before the start of annuity payments in the framework of the statutory options available under the BVV3 ordinance, the amount paid out is subject to direct federal tax and is generally subject to a one-off tax in all cantons separately from other income.
  • Beneficiaries who receive a premium refund in the event of the insured person’s death must pay a one-off tax separately from other income.

Product comparison

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