Frequently asked questions - App

Select the menu item “Policy” at the bottom of the app and choose “My Beneficiaries”. You will see your current beneficiary clause on the main page. To modify your clause, click on “Modify”. You have the possibility to add individuals or draft a text.

Please note the change might take a few working days to be displayed on your profile. The clause takes immediate effect.

In case of the insured person’s death, the retirement savings as well as other benefits (when applicable) will be transferred to the designated beneficiary at the time of the death.

If the insured person passes away and their beneficiary is also deceased, the standard clause applies, and the next surviving relative will be named beneficiary.

If the insured person is alive at the term of the contract, they remain the sole beneficiary of all savings.

Select the menu item “Documents” at the bottom of the app. In the section “My Certificates”, you can download your Annual Tax Certificates.

The amount displayed on your Annual Tax Certificates corresponds to the contributions received from your employer for that year, some discrepancies may be visible.

Please note that your Annual Tax Certificate is not required for your Luxembourg tax declaration. The amount paid is already included on the annual remuneration certificate you receive from your employer, in the “LRCP” section.

For further information, please contact us using the contact form available on the app under “contact us”.
 

You can find all your Annual Tax Certificates in the menu items “documents” under “My Certificates”. You will only have access to the years your policy was active with us. If you require a certificate for a previous year that is not available on the app, please contact your HR department.

You can change the app display language by selecting the hamburger menu in the top right corner. The app is only available in three languages: English, French and German.

Please note changing the app display language does not change the language of the documents. If you wish to have a document in another language, please contact us using the contact form available on the app under “contact us” and request the update of your communication language. We cannot modify the language of a document already generated, but we will modify the language for all future documents.
 

Select the menu item “Investments” and choose “List of Movements”. You can find all incoming and outgoing transactions since the beginning of your policy. By choosing the red arrow on each line, a detailed account of the transactions is available.

The certificates will appear in the “My Certificates” section from the first of January.

Please note there can be some delays, and it can take up to two months for the newest certificates to be available.

You can generate an Annual Tax Certificate with different dates only through the online portal: www.preferredplus.swisslife.com.

Please note that this function is only available for the current year, you cannot generate a document with dates before the renewal date of your policy. For further information, please contact us using the contact form available on the app under “contact us”.
 

All documents related to your policy and pension plan are available in the menu item “Documents” specifically within the 'Other Documents' section.

If you cannot find the document, you need to ask your HR department to upload it.

Your policy ends when you leave your employer or when you reach the retirement age mentioned in the rules of the pension plan (currently the legal retirement in Luxembourg is 65 years). If you have retired or will retire before 65, please contact us using the contact form available on the app under “contact us”.

Please refer to the “pension rules document” for further information or contact us using the contact form available on the app under “contact us”.

You can see your personal information by selecting the menu item “Policy” and choosing “My details”. There is certain information you cannot modify yourself such as marital status because it may affect your premium calculation. If you situation has changed, please ask your HR department to inform us and we will update it accordingly.

You can see your personal information by selecting the menu item “Policy” and choosing “My details”. There is certain information you cannot modify yourself such as the number of children because it may affect your premium calculation. If you situation has changed, please ask your HR department to inform us and we will update it accordingly.

You can see your personal information by selecting the menu item “Policy”, choosing “My details”, and then “Address and contact”. If you see an “Edit” button, you can modify the information yourself, such as your correspondence address, phone number, and email address.

You can see your personal information by selecting the menu item “Policy”, choosing “My details”, and then “Address and contact”. If you see an “Edit” button, you can modify the information yourself, such as your correspondence address, phone number, and email address.

If your name is incorrect, please contact us and send us a copy of your ID. Please also ensure that your employer has your correct name in their database.

You can see your personal information by selecting the menu item “Policy”, choosing “My details”, and then “Address and contact”. If you see an “Edit” button, you can modify the information yourself, such as your correspondence address, phone number, and email address.

You want to change your current investment strategy which will impact all future contributions only (plus your current portfolio if you select an automatic re-balancing strategy). Please follow these steps:

1. Select the menu item “Investments”.
2. Select a sub-account.
3. Click on the “my strategy” tab.
4. Review the other strategies available in your plan, if any.
5. Click on “Edit my Strategy”, then follow the steps indicated.

If this action is not authorized on your policy, the reason will be displayed when you click on the button.

If you do not see an “edit my strategy” button, it means that no other strategy is available in your contract.

If you wish to change your current portfolio, only affecting your past contributions, but not your future contributions, please follow these steps:

1. Select the menu item “Investments”.
2. Select a sub-account.
3. Stay on the “my portfolio” tab.
4. Review the other funds available in your plan, if any.
5. Click on “Edit my Portfolio (switch)” and then follow the steps indicated.

If this action is not authorized on your policy, the reason will be displayed when you click on the button.

If you do not see an “edit my portfolio (switch)” button, it means that no other funds are currently available in your contract.

Fees can be applied to switches. For more information, please refer to the “pension rules document” in My documents > Other documents, or request it from your HR department if not available.

You will see a pop-up on the app during the switch process, informing you about any applicable fees.

It can take between 5 and 15 business days for the switch to be visible on the app, depending on the funds chosen. The delay is linked to the management company/depositary bank involved. The switch process takes several days, firstly Swiss Life will sell your positions, then once the cash is available, it will purchase shares from the newly selected fund.

During this operation, the amount will be visible under the “assets in transition” section in Investments > Sub-account > My portfolio. Once the switch is completed, it will appear in the list of movements of your account.

It can take between 5 and 15 business days for the switch to be visible on the app, depending on the funds chosen. The delay is linked to the management company/depositary bank involved. The switch process takes several days, firstly Swiss Life will sell your positions, then once the cash is available, it will purchase shares from the newly selected fund.

During this operation, the amount will be visible under the “assets in transition” section in Investments > Sub-account > My portfolio. Once the switch is completed, it will appear in the list of movements of your account. If the switch is not listed in the “List of Movements” please contact us using the contact form available on the portal under “contact us”.

The following reasons may prevent you from performing a switch:

• Your pension plan does not offer any other investment funds.
• You have left your employer, and we are yet to receive an answer regarding your choice of action for your savings. Please contact us so we can reactivate this function.
• You have selected an automatic rebalancing strategy, meaning you must first change your investment strategy in order to update your portfolio (“edit my strategy” button in “my strategy”).
• You do not have any funds invested in your sub-account yet. You must either wait or change your strategy to adjust the investment of your future contributions.
• A switch in progress on your policy. You will need to wait until it is completed before initiating a new one.
  

1. Select the "Investments" menu item.
2. Choose “List of Movements”.
3. In the search bar, type “switch”, then all the switch operations since the beginning of your policy will be visible.
   

1. Select the "Investments" menu item.
2. Choose a sub-account (My contribution, Employer’s contribution,…)
3. Stay on the "My Portfolio" tab and scroll down to view the "Other Available Funds" list for the selected sub-account.
4. Click on each fund name to view its performance.
5. To change your current savings allocation, click on "Edit My Portfolio" and follow the steps indicated.
6. To update your strategy for future contributions, go to the "My Strategy" tab, review the available strategies, and click on "Edit My Strategy".

1. Select the "Investments" menu item.
2. Choose a sub-account (My contribution, Employer’s contribution,…)
3. Click on the "My Strategy" tab. It will show you how your future contributions will be invested, along with the other available strategies and funds.
4. You can define a different investment strategy for each sub-account (e.g., "Employer’s Contributions" or "My Contribution").
5. To edit your strategy, click on "Edit My Strategy" and follow the steps indicated.
   

1. Select the "Investments" menu item.
2. Choose a sub-account (My contribution, Employer’s contribution,...).
3. Stay on the "My Portfolio" tab and scroll down to view the list of funds of your portfolio.
4. Click on the fund name to view the performance of each fund on different periods.
5. In the “Other available funds” list, use the filter option to search for funds using their ISIN.
   

1. Select the "Investments" menu item.
2. On the main page, you will see your return under "Total Return of the Policy", with the calculation dates indicated.
3. Viewing the return of each individual investment is currently not possible, but you can see the overall performance of the investment funds you selected by choosing a sub-account, and clicking on the fund names in the “My portfolio” tab.
   

Your policy is part of a group pension plan and active through your current employer, it is not an individual pension plan. Thus, additional contribution is only possible through your employer.

In Luxembourg you can invest up to 1,200 EUR of personal contributions to your retirement pension plan. This is possible through monthly payments of 25 EUR, 50 EUR, 75 EUR or 100 EUR, or a single payment of 1,200 EUR per year. These amounts are deducted from your salary.

For any modification, please contact your HR department as they oversee the personal contributions collection.

You can also stop, change your monthly contributions amount, or choose a yearly payment depending on your employer.

If you have already transferred your contributions from your former employer to your current policy:

1. Select the "Investments" menu item.
2. Click on sub-account “My Transferred Contributions”.
   

If you have worked in a company with a Luxembourgish pension plan, please contact your previous insurance company to initiate the transfer. They will provide you with the documentation required to execute the transfer to Swiss Life.

It is not possible to transfer contributions from a private pension plan onto your group policy.

In Luxembourg you can invest up to 1,200 EUR of personal contributions to your retirement pension plan. This is possible through monthly payments of 25 EUR, 50 EUR, 75 EUR, 100 EUR, or a single payment of 1,200 EUR per year. These amounts are deducted from your salary.

For any modification, please contact your HR department as they oversee the personal contributions collection.

You can also stop, change your monthly contributions amount, or choose a yearly payment depending on your employer.

You can withdraw your savings either :

1. When you leave your employer, if you fulfil the following requirements:
   • The amount of the contributions per sub-account does not exceed 3x monthly minimum wage (currently 3 x 2 703.7 EUR = 8 111.22 EUR) based on the 968.04 Index as of 01/05/2025.
   • If the amount exceeds the legal limit, you need to provide:
     1. A valid work contract based outside of Luxembourg (unemployment benefits are not valid).
     2. A “certificate d’affiliation” from the CCSS proving you are no longer affiliated with the Luxembourgish social security: https://ccss.public.lu/fr/commandes-certificats/particuliers/commande-certificat-affiliation.html
2. When you reach the retirement age of your contract (defined in the “Pension Rules” available in My documents > Other documents or upon your HR department).
3. If you are early retired, depending on your contract. Luxembourgish legal retirement age (currently 65 years). If you have retired at an earlier age, please use the contact form available on the app under “contact us”.
   

If you have a new employer in Luxembourg and they offer an employee benefits plan, you can transfer your savings to their plan.

If your new employer does not have a pension plan, you cannot transfer your savings.

For more information, please refer to the “pension rules document” or contact us using the contact form available on the app under “contact us”.

Your policy is only terminated when your employment contract ends.

You can withdraw your savings either:

1. When you leave your employer, if you fulfil the following requirements:
   • The amount of the contributions per sub-account does not exceed 3x monthly minimum wage (currently 3 x 2 703.7 EUR = 8 111.22 EUR) based on the 968.04 Index as of 01/05/2025.
   • If the amount exceeds the legal limit, you need to provide:
     1. A valid work contract based outside of Luxembourg (unemployment benefits arein not valid)
     2. A “certificate d’affiliation” from the CCSS proving you are no longer affiliated with the Luxembourgish social security: https://ccss.public.lu/fr/commandes-certificats/particuliers/commande-certificat-affiliation.html
2. When you reach the retirement age of your contract (defined in the “Pension Rules” available in My documents > Other documents or upon your HR department).
3. If you are early retired, depending on your contract. Luxembourgish legal retirement age (currently 65 years). If you have retired at an earlier age, please use the contact form available on the app under “contact us”.

We can only process your departure once we get the official notice of your leaving date from your employer.

For more information, please refer to the “pension rules document” or contact us using the contact form available on the app under “contact us”.

If you have reached the retirement age of the contract or you are retired, please send us your official retirement certificate from the CNAP or equivalent on our contact form available on the app under “contact us”.

Please refer to the “pension rules document” for further information or contact us using the contact form available on the app under “contact us”.

Once you have left your current employer, you will receive a leaving letter from us detailing your options and what documents are required for each option.

If the reimbursement of your vested rights is possible, please send us the following documents:

• A copy of a you valid ID/Passport, with a readable signature.
• An official document from the bank with IBAN, BIC code and the account holder appearing. Please note that joint account holder(s) must also provide a copy of their ID/Passport, an official document stating the nature of the relationship with the beneficiary and the Tax-reporting self-certification duly completed and signed by the joint account holder.
• The documents bearing the mention “Form to be sent back to Swiss Life” duly completed and signed.
• The Tax reporting self-declaration signed and completed.
• A proof of residence dated less than 4 months (electricity, gas or water bill).

For all tax related questions please refer to your local tax authorities or consult the website: https://guichet.public.lu

Each year you will receive an annual remuneration certificate from your employer with the sum you can deduct from your tax declaration. In Luxembourg you can invest and deduct up to 1,200 EUR of personal contributions.

If your policy includes a disability coverage you can find all relevant information under “My Coverage”. The amount indicated is what you can expect if your disability claim is approved. For further information, please use the contact form available on the app under “contact us”.

Please refer to the “pension rules document” for further information or contact us using the contact form available on the app under “contact us”.

Your policy ends when you leave your employer or when you reach the retirement age which is mentioned in the rules of the pension plan. If you have retired at an earlier age, please contact us using the contact form available on the app under “contact us”.

Your policy is active through your current employer, it is not an individual pension plan. Therefore, you can only make contributions through your employer. For any modification, please contact your HR department as they oversee the personal contributions collection.

If you have worked in a company with a pension plan, please contact your previous insurance company to initiate the transfer to us. They will provide you with the documentation required to execute the transfer. It is not possible to transfer contributions from a private pension plan onto your policy.

You can withdraw your savings either:

• When you leave your employer (If applicable according to the “Pension Rules”).
• When you reach the retirement age of your contract (defined in the “Pension Rules” available in My documents > Other documents or upon contacting your HR department).
  

If you have found a new employer with an employee benefits plan, it is possible to transfer your savings. These are the documents required:

• The evidence that the company is officially registered as a pension scheme provider by the local regulator
• An official bank statement of the pension scheme provider
• A valid tax reporting form of the pension scheme provider
• A transfer of reserves agreement (signed by the member, the previous and new employer)

A transfer is only possible with the approval from your current employer as well as our internal compliance department.

For more information, please refer to the “pension rules document” or contact us using the contact form available on the app under “contact us”.
 

Your policy is only terminated when you end your employment contract.

You can withdraw your savings either:

• When you leave your employer ((If applicable according to the “Pension Rules”).
• When you reach the retirement age of your contract (defined in the “Pension Rules” available in My documents > Other documents or upon contacting your HR department).
   

We can only process your departure once we get the official notice of your leaving date from your employer.

For more information, please refer to the “pension rules document” or contact us using the contact form available on the app under “contact us”.

Please refer to the “pension rules document” for further information or contact us using the contact form available on the app under “contact us”.

Once you have left your current employer, you will receive a leaving letter from us detailing your options and what documents are required for each option.

If the reimbursement of your vested rights is possible, please send us the following documents:

• A copy of a you valid ID/Passport, with a readable signature.
• An official document from the bank with IBAN, BIC code and the account holder appearing. Please note that joint account holder(s) must also provide a copy of their ID/Passport, an official document stating the nature of the relationship with the beneficiary and the Tax-reporting self-certification signed by the joint account holder.
• The documents bearing the mention “Form to be sent back to Swiss Life” duly completed and signed.
• A copy of your last payslip from your former employer.
• The Tax reporting self-declaration signed and completed.
• A proof of residence dated less than 4 months (electricity, gas or water bill).
   

For all tax related questions, please refer to your local tax authorities.