When it comes to employee pensions, many bosses are not prepared to compromise: They focus solely on security. However, some are prepared to take more risk in anticipation of higher returns. Swiss Life offers multiple options.
1. Full insurance
Swiss Life Business Protect is the most secure employee benefits solution there is – because Swiss Life assumes all the risks. Your company and your employees enjoy comprehensive cover for old age, disability and death.
2. Semi-autonomous pool solution
In the semi-autonomous employee benefits solution Swiss Life Business Invest, the risks of death and disability are fully covered by Swiss Life.
All affiliated employee benefits units benefit from the performance of the investments. The fluctuations in investments offer the opportunity of higher average returns in the medium term. The investment strategy is very security-oriented. Central to the strategy is the modern investment approach "Swiss Life Best Select Invest Plus®". This gives you the peace of mind of knowing that only the best-qualified asset managers manage your pension assets. In turn, they are systematically and regularly monitored by an independent investment controller.
3. The semi-autonomous solution with individual selection of investments
In the semi-autonomous employee benefits solution Swiss Life Business Invest, the risks of death and disability are fully covered by Swiss Life.
But unlike Swiss Life Business Invest, the investment strategy is defined by the affiliated company itself in accordance with its risk appetite. This means the company's own wishes and needs are taken into account. The modern investment approach "Swiss Life Best Select Invest Plus®" is also at the heart of this solution.
4. The executive solution Swiss Life Business Premium
Swiss Life Business Premium is the executive solution for companies who want to give their key persons more personal responsibility for their occupational provisions. With Swiss Life Business Premium, insured persons are able to define the investment strategy for salary portions exceeding CHF 126'900 on the basis of their personal risk capacity.
They can choose from four collective investment strategies from the Swiss Life Investment Foundation for the investment of their pension fund assets, each with a different equity exposure, as well as savings insurance with a nominal value and interest rate guarantee (like full insurance).
