Swiss Life
AnnuityLife

You can choose from when you wish to receive the annuity payments. Swiss Life guarantees the amount of your annuity payments – for life. The amount of the annuity payments may increase as a result of non-guaranteed bonuses.

During the deferral period until the start of the annuity payments, the bonus annuity is financed by bonuses. The bonus annuity is guaranteed from the start of the payment period and is paid out together with the originally guaranteed annuity. You also receive bonuses allocated during the payment period in the form of an excess annuity. The exess annuity is not guaranteed.

• No stamp duty
• No wealth tax
• The profit portion comprises the profit portion of the contractually guaranteed benefit and the profit portion of the bonus benefits. Bonus benefits refer to the bonus annuity and the excess annuity.
• The profit portion of the contractually guaranteed benefits is calculated on the basis of the maximum permissible technical interest rate applicable to the contract at the time of contract conclusion. The profit portion of the bonus benefits is 70%.
• At the beginning of every calendar year, you will receive a statement showing the annuities paid out in the previous year, the taxable profit portions and other information in accordance with Swiss tax provisions, to be enclosed with your tax return.

At least CHF 100 000

80-90 years

Guaranteed annuity, bonus annuity and excess annuity
During the payment period, you receive the guaranteed annuity plus any non-guaranteed bonus annuities and excess annuities. The bonus annuity supplements the guaranteed annuity and is financed with bonuses from the deferral period. The excess annuity is funded using bonuses from the payment period.

Annuity payment method
Monthly annuity payment, at least CHF 100

Death
If the insured person dies, the insurance contract ends, from which time all benefits cease.