Guaranteed regular supplementary income for a period of your choice. Swiss Life AnnuityPlan is a non-tax-qualified life annuity with guaranteed regular annuity payments for a period of your choice.

Your advantages at a glance

  • Guaranteed income: Swiss Life guarantees the amount of your annuity payments for a period of your choice.
  • Flexibility: you determine the amount and start of the annuity payments individually.

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Do you want to learn more about Swiss Life AnnuityPlan or do you have any 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

You can choose for what period you wish to receive the annuity payments. You can specify both the beginning and end of the annuity payments.
Swiss Life guarantees the annuity payments for the period you have chosen. 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 increases at the beginning of each insurance year due to the bonus allocation. 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.
 

Die Grafik stellt die Funktionsweise von Swiss Life AnnuityPlan dar. Sie untermalt das im Text Gesagte. Sie zeigt die garantierte Rente sowie die Bonus- und Überschussrente über die Versicherungsdauer hinweg bzw. während der Aufschubsphase bis zum von Ihnen festgelegten Beginn und dem Ende der Rentenzahlungen.
Die Grafik stellt die Funktionsweise von Swiss Life AnnuityPlan dar. Sie untermalt das im Text Gesagte. Sie zeigt die garantierte Rente sowie die Bonus- und Überschussrente über die Versicherungsdauer hinweg bzw. während der Aufschubsphase bis zum von Ihnen festgelegten Beginn und dem Ende der Rentenzahlungen.

  • No stamp duty
  • No wealth tax
  • The profit portion of the annuity payments is taxed together with other income. 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

50-80 years

20-50 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.

Product comparison

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