Swiss Life Opportunities Solo is a fund unit-linked life insurance product offering attractive potential returns and risk protection in non-tax-qualified provisions (pillar 3b) that is financed by monthly premiums. 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 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 Solo 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.
- Tax advantages: the payout in pillar 3b is exempt from income tax if certain conditions are met.
- Simple handling: you don’t have to worry about a thing. Swiss Life Opportunities Solo automatically implements your investment strategy thanks to rebalancing.
- Financial protection: protect yourself and your family from financial difficulties caused by illness, accident or death.
Arrange a consultation
Do you want to learn more about Swiss Life Opportunities Solo, or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation.
To range of funds
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).
- 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.
Yes, your assets will gradually be reallocated to a low-risk investment.
- Suspension of premium payment: possible after 5 years
- Early withdrawal/surrender: possible
- Premium increases: possible
- Supplementary payments: not possible
- Loans: possible
- Pledging: possible
- Designation of beneficiaries: freely selectable
Product comparison
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