Fill out consultation protocol

The premium may be increased at any time following a new health check.

A reduction in the premium could result in a partial loss of the surrender value.

Participation and excess returns cannot be guaranteed.

Tax treatment of pillars 3a and 3b, including income and wealth tax, was discussed.

The possibility of pure bank savings under Pillar 3a was discussed.

A surrender, waiver or premium reduction of one or more policies has been arranged or is planned.

If this is the case, has the client been informed of the amount of the possible loss associated with the surrender?

Offer with history of the surrender value has been consulted. Information on access to the capital saved (escpecially in the early years) was provided.

The client has been informed of the consequences of a breach of the disclosure obligation, as well as the obligation to report any change in health until the definitive acceptance by the company.

The client information brochure in accordance with GCI (General conditions of Insurance) and VAG (Insurance Supervision Law) Art. 45, has been provided.

Already specified in Swiss Life's consultation protocol.

Consultation protocol

Fill out the consultation protocol