Swiss Life Opportunities Invest is a fund-unit-linked life insurance product offering attractive potential returns and risk protection. Financed by a one-off payment, it can be taken out in the context of both tax-qualified provisions (pillar 3a) and non-tax-qualified provisions (pillar 3b). You can choose from attractive investment stories and first-class individual funds.
In brief
Would you like to invest with a focus on returns, while also having the option of making extensive adjustments to your investment? This fund-unit-linked life insurance policy financed by a one-off payment offers you precisely that with your selected balance of returns and security. This pension solution is an attractive investment for both disposable capital and the reinvestment of 3a funds already paid in.
Here's how it works: Swiss Life Opportunities Invest comprises a defensive and an offensive element consisting of cost-efficient investment funds. The single premium is divided between both elements according to your investment strategy. The defensive element consists of a low-fluctuation investment fund. The offensive element offers a selection of different return-oriented investment funds that can be combined with each other. There are also three first-class investment stories (funds of funds). You can combine the individual funds and investment stories according to your needs. Select the mix that best suits your investment strategy.
Your benefits at a glance
- Potential returns: flexible composition of your investment using attractive investment funds
- Individual and customised: you are free to select the investment split, the composition of the investment and the investment strategy, and you can adjust them during the term.
- Tax advantages: attractive tax advantages are available in both pillars 3a and 3b.
- Simple handling: Swiss Life Opportunities Invest automatically implements your investment strategy thanks to rebalancing.
- Financial protection: your loved ones are financially protected – thanks to a guaranteed minimum benefit in the event of death.
- Life insurance privileges: free choice of beneficiaries that can be changed at any time free of charge; guaranteed death benefit with straightforward inheritance processing
- Immediately covered: no medical examination due to waiting period
Arrange a consultation
Do you want to learn more about Swiss Life Opportunities Invest, or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation.
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More about the product
- Your fund assets are paid out in the event of survival. The available fund assets, at least the guaranteed lump-sum death benefit, are paid out in the event of death.
- There is limited insurance cover in the event of the insured person’s death as a result of illness during a waiting period of three years.
Pillar 3a:
- During the policy term: 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 benefit in the event of survival is not guaranteed. The survival benefits correspond to the value of the fund assets. You bear the fluctuation risk. If the fund units fail to appreciate significantly over the policy term, the insurance benefit may be lower than the premium paid in.
It is financed by a single premium. The minimum premium is CHF 40 000, excluding stamp duty.
This is possible at any time, be it the investment strategy, the investment split (dynamic or constant), the fund selection or the fund mix.
You can make reallocations between the offensive, defensive or entry and exit elements at any time.
Yes, thanks to optional entry and maturity management, investments are gradually invested or disinvested: this evens out the purchase and sales prices.
- Early withdrawal/surrender: possible in both pillar 3a* and pillar 3b
- 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
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Attractive investment opportunities with the security of life insurance