Swiss Annuities

We help you select, establish and administer a variety of Swiss and Liechtenstein insurance and annuity programs.

EurAxxess works closely with a selection of highly secure and innovative insurance companies to select and structure insurance solutions that are tailored to our clients' needs. Mostly, these are related to asset protection, privacy and estate planning.

The Basics

The basic concept of Swiss annuities and endowments is quite simple:

A deposit (referred to as single premium) is made, minimum US$20,000 per policy. Periodic premiums via an insurance premium account are also possible. The owner tailors the terms and options to his/her specific needs. He/she may choose annuity payments to begin immediately or to be deferred (delayed) for a number of years for accumulation. This period is called accumulation period or deferment period. Adding funds before annuitization, i.e. during the accumulation phase is possible.

Once the accumulation period has ended, the payout period begins. Payments can be received as a one-time lump-sum payment (Endowment) or as annuity payments for life, joint life (i.e. covering 2 lives) or for a fixed number of years. The payments are made by check or bank transfer and are a combination of accrued interest, profit dividends and a portion of the principal originally invested.

Upon the death of the person insured, the proceeds are paid to the designated beneficiary(ies).

Special Features:

Some of the features these products offer:

Currency Switch option (with or without currency management features) for major World Currencies.
Asset protection based on the Swiss life insurance laws
Liquidation of the policy without surrender penalties except for the first year
Flexibility to change the options of the policy during the accumulation phase, for example the payout options, the deferment period, or the beneficiary clause.
Long accumulation periods of up to 50 years
Annuity payments for more than one life - often called Joint Life Annuities
Loans of up to 100% of the policy value
Low annual fees
Guaranteed yields plus profit-sharing

Swiss annuities can be tailor-made to suit most individual needs. They come in many variations. They can be fixed (payout / annuity values guaranteed and fixed to a predetermined and regulated investment strategy) or variable (linked to one or more investment funds or to a managed account). The options available for both accumulation and payout are varied and flexible.

Ask for a proposal.