Frequently asked questions - Portal

Scroll down and click on the section “My beneficiaries” at the bottom right of the main screen. You will see your current beneficiary clause on the main page. To modify your clause, click on “Change”. You have the possibility to add individuals “Create beneficiary list” or draft a text “Write or paste your customized generic clause”.

Please note that 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 and beneficiary are both 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.

Scroll down to the section “My certificates” at the bottom left on the main page. There you can find and 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 occur.

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 portal. Select your name on the top right, choose “Help” and you will be able to send us a message under “contact us”.

You can find all your Annual Tax Certificates in the section “My Certificates” at the bottom left of the main page. You will only have access to the years your policy has been active with us. If you require a certificate for a previous year that is not available on the portal, please contact your HR department.

You can change the portal display language by selecting your name in the top right corner, under “Settings”. The portal is only available in three languages: English, French and German.

Please note changing the 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 portal. Select your name on the top right, choose “Help” and you will be able to send us a message under “contact us”.

We cannot modify the language of a document already generated, but we will modify the language for all future documents.

On the main page of the portal select “My retirement portfolio”, scroll down to the bottom of the page and choose “List of Movements”. You can find all incoming and outgoing transactions since the beginning of your policy.

By selecting each individual line, a detailed account of the transactions will appear.

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 under “My certificates” at the bottom left of the main page. Under the section “My personalised individual statements & tax certificates” choose “Generate”. You will be able to select the type of certificate you require as well as the specific time range.

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 portal. Select your name on the top right, choose “Help” and you will be able to send us a message under “contact us”.

All documents related to your policy and pension plan are available under “My documents” at the bottom left of the main page. If you cannot find the document, please ask your HR department to upload it.

Your policy ends either once you leave your employer or once 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 the age of 65, please contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and you will be able to send us a message under “contact us”.

Please refer to the “pension rules” (if not available, please contact your HR department) for further information or contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and you will be able to send us a message under “contact us”.

You can see your personal information by selecting your name on the top right of the main page, under “Profile”. There is certain information you cannot modify yourself, such as marital status because it may affect your premium calculation. If your 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 your name on the top right of the main page, under “Profile”. There is certain information you cannot modify yourself, such as number of children because it may affect your premium calculation. If your 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 your name on the top right of the main page, under “Profile”. Select the “Edit” button at the top of the page. You can modify the information yourself, such as your correspondence address, phone number and email address.

You can see your personal information by selecting your name on the top right of the main page, under “Profile”. Select the “Edit” button at the top of the page. 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 your employer has your correct name in their database.

You can see your personal information by selecting your name on the top right of the main page, under “Profile”. Select the “Edit” button at the top of the page. You can modify the information yourself, such as your correspondence address, phone number and email address.

Changing your current investment strategy will impact all future contributions only (plus your current portfolio only when selecting an automatic re-balancing strategy). If you wish to proceed, please follow these steps:

1. Click on the section “My investment strategies”.
2. Under your sub-accounts (e.g. “My contributions”, “Employer’s contributions”), chose “Change strategy”.
3. You will see your current profile. Select add new fund to review all available funds.
4. You can either choose a lifecycle, or individual funds. Please note the Portfolio % must be 100.
5. Select “next” and accept the terms and conditions before approving your choice.
   

If this action is not authorized on your policy, no “change strategy” button will be visible. It can also mean that no other funds are available to you. You can see all available funds on the main page of the portal under “Fund information”. If any, you can follow their performance by downloading the brochure under "Performance" or by following the “Information” link.

Changing your current portfolio will only impact your past contributions and not your future contributions. If you wish to proceed, please follow these steps:

1. Click on the section “My retirement portfolio”.
2. Select “switch” or “switch all” for your individual sub-accounts (e.g. “My contributions”, “Employer’s contributions”).
3. You will see your current profile. Select add new fund to review all available funds.
4. You can either choose a lifecycle, or individual funds. Please note the Portfolio % must be 100.
5. Select “next” and accept the terms and conditions before approving your choice.

If this action is not authorized on your policy, no “Switch” button will be visible. It can also mean that no other funds are available to you. You can see all available funds on the main page of the portal under “Fund information”. If any, you can follow their performance by downloading the brochure under "Performance" or by following the “Information” link.
 

Fees can be applied to switches, for more information please refer to the “pension rules” (if not available, please contact your HR department) under “My documents”. You will see a pop-up 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 portal, depending on the funds chosen. The delay is linked to the management company / depositary bank involved.

Once the switch is realised, you will be able to see the movement in the section “My retirement portfolio” in “list of movements”.

It can take between 5 and 15 business days for the switch to be visible on the portal, depending on the funds chosen. The delay is linked to the management company / depositary bank involved.

Once the switch is realised, you will be able to see the movement in the section “My retirement portfolio” in “List of movement”.

If the switch is not listed in the “list of movements” please contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and you will be able to send us a message under “contact us”.

The following reasons may prevent you from performing a switch:

1. Your pension plan does not offer any other investment funds.
2. 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.
3. You have selected an automatic rebalancing strategy, meaning you must first change your investment strategy in order to update your portfolio. (under “My investment strategies” select “change strategy”)
4. 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.

If a switch is in progress on your policy, you will need to wait until it is realised before initiating a new one.
 

1. Click on "My retirement portfolio" on the main page of the portal.
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.

You can see all funds available to you on the main page of the portal. Scroll down to “Fund information”, if any, you can follow their performance by downloading the brochure under "Performance" or by following the “information” link.

Your policy is part of a group pension plan and active through your current employer, it is not an individual pension plan. Therefore, additional contributions are 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 contribution 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, you will see an amount in the sub-category “My transferred contributions” (your Employee Contributions) and/or “Transferred employer’s contributions” under “My retirement portfolio”.

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 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 contribution amount or choose a yearly payment depending on your employer. 

You can withdraw your savings either:

• When you leave your employer, if you fulfil the following requirements:
  1. 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.
  2. If the amount exceeds the legal limit, you will need to provide:
     • A valid work contract based outside of Luxembourg (unemployment benefits are not valid).
     • 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.
• When you reach the retirement age of your contract (defined in the “Pension Rules” (if not available, please contact your HR department) available in “My documents” or from your HR department).

If you are early retired, depending on your contract. Luxembourgish legal retirement age is currently 65 years. If you have retired at an earlier age, please contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and you will be able to send us a message 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” (if not available, please contact your HR department) or contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and you will be able to send us a message under “Contact us”.

Your policy is only terminated when your employment contract ends.

You can withdraw your savings either:

• When you leave your employer, if you fulfil the following requirements:
  1. 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.
  2. If the amount exceeds the legal limit, you need to provide:
     • A valid work contract based outside of Luxembourg (unemployment benefits are not valid)
     • 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.
• When you reach the retirement age of your contract (defined in the “Pension Rules” available in “My documents” or from your HR department)

If you are early retired, depending on your contract. Luxembourgish legal retirement age is currently 65 years. If you have retired at an earlier age, please contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and will be able to send us a message 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” (if not available, please contact your HR department) or contact us using the contact form available on the portal. Select your name on the top right, choose “Help” 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. It is available if you select your name on the top right, choose “Help” and “Contact us”.

Please refer to the “Pension rules” (if not available, please contact your HR department) or contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and “Contact us”.

Once you have left your current employer, you will receive a leaving letter from us detailing your options and the documents 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 “Death & disability benefits”. The amount indicated is what you can expect if your disability claim is approved.

For further information, contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and “Contact us”.

If your policy includes a death coverage you can find all relevant information under “Death & disability benefits”. The amount indicated is what your beneficiaries can expect if your claim is approved.

For further information, contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and “Contact us”.

Please refer to the “Pension rules” (if not available, please contact your HR department) or contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and "Contact us”.

Your policy ends when you leave your employer or when you reach the retirement age which is mentioned in the “Pension rules” (if not available, please contact your HR department). If you have retired at an earlier age, please contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and “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” available under “My documents” or at your HR department).
• When you reach the retirement age of your contract (defined in the “Pension rules”).

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 proof 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” (if not available, please contact your HR department) or contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and “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” available under “My documents” or at your HR department).
• When you reach the retirement age of your contract (defined in the “Pension Rules”).

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” (if not available, please contact your HR department) or contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and “Contact us”.

Please refer to the “Pension rules” (if not available, please contact your HR department) or contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and “Contact us”.

Please refer to the “Pension rules” (if not available, please contact your HR department) or contact us using the contact form available on the portal. Select your name on the top right, choose “Help” and “Contact us”.

Once you have left your current employer, you will receive a leaving letter from us detailing your options and the documents 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.
•  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.