Swiss Life Holding Business Model Canvas
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Business Model Canvas: Strategic Blueprint for a Leading European Life Insurer
Unlock the full strategic blueprint behind Swiss Life Holding with our concise Business Model Canvas—3–5 actionable sentences won’t cut it, so get the complete, section-by-section analysis to see how value is created and scaled. Ideal for investors, consultants, and executives seeking a ready-to-use, downloadable roadmap to competitive advantage.
Partnerships
Global reinsurers & risk-sharing
Swiss Life collaborates with leading global reinsurers to transfer peak risks and stabilize capital requirements, supporting its over CHF 280bn assets under management (2024). These partners supply underwriting expertise and catastrophe modelling, helping to smooth loss volatility and improve Solvency II metrics. Joint product structures and risk-sharing treaties enable more competitive pricing and enhance capital efficiency across markets.
Asset managers & custodian banks
Partnerships with external asset managers and custodian banks bolster Swiss Life’s portfolio diversification and secure servicing, granting access to specialized mandates, private markets and ESG integration; Swiss Life Asset Managers reported CHF 324bn AUM in 2024, showing external mandates extend capabilities beyond in‑house teams and strengthen governance and operational resilience.
Broker networks & tied agents
Independent brokers, tied agents and financial intermediaries extend Swiss Life’s distribution across Switzerland, France, Germany and wider Europe, delivering local market presence and client access. Swiss Life supports them with structured training, digital sales tools and compliance-driven sales processes to ensure regulatory adherence. Incentive alignment and persistency-focused remuneration drive quality advice and long-term retention; Swiss Life reported about CHF 280 billion assets under management in 2024.
Health providers & wellbeing platforms
Insurers like Swiss Life integrate hospitals, clinics, telemedicine and wellbeing apps to expand health and disability coverage, with 2024 pilot programs reporting up to 15% fewer disability claims and teleconsultations rising ~30% versus pre‑pandemic levels; standardized data‑sharing frameworks enable coordinated care, faster claims management and lower loss ratios while creating preventive engagement touchpoints that improve customer outcomes.
- Integration: hospitals, clinics, telemedicine, apps
- Impact: ~30% rise in teleconsults (vs pre‑pandemic)
- Claims: pilots show up to 15% fewer disability claims
- Benefit: coordinated care, faster claims, preventive touchpoints
Regulatory, data, and technology partners
Collaboration with RegTech, InsurTech, and data vendors strengthens KYC, AML, and risk analytics, enabling Swiss Life to align with evolving EU and Swiss standards such as the EU AML Package and Swiss Financial Market Supervisory trends in 2024.
Cloud and cybersecurity partners provide secure, scalable infrastructure that supports accelerated digital policy issuance and claims automation, contributing to operational efficiency and resilience.
- RegTech/InsurTech: supports KYC, AML, risk analytics
- Cloud/Cybersecurity: secure, scalable infrastructure
- Digital ops: faster policy issuance and automated claims
- Compliance: alignment with 2024 EU and Swiss regulatory updates
Insurer leverages reinsurers and external AMs to stabilize capital and boost private markets
Swiss Life leverages global reinsurers to stabilize capital and smooth losses for its CHF 280bn AUM (2024). Partnerships with external asset managers (Swiss Life AM CHF 324bn AUM, 2024) and custodians expand private markets and ESG access. Brokers, RegTech and InsurTechs extend distribution and digital servicing, driving teleconsults +30% and pilots showing up to 15% fewer disability claims.
| Partner | Role | 2024 metric |
|---|---|---|
| Reinsurers | Risk transfer, capital | Supports CHF 280bn AUM |
| Asset managers | External mandates | Swiss Life AM CHF 324bn AUM |
| Health providers | Care, telemed | Teleconsults +30%, -15% disability |
What is included in the product
Detailed Word Document
A concise, pre-written Business Model Canvas for Swiss Life Holding detailing customer segments, value propositions, channels, key partners and revenue streams aligned to its life insurance, pensions and asset management strategy, with SWOT-linked insights for investor and internal use.
Customizable Excel Spreadsheet
High-level, editable one-page Business Model Canvas for Swiss Life Holding that clarifies complex insurance and wealth-management components, saving teams hours while making strategy shareable and ready for boardroom review.
Activities
Underwriting & pricing
Swiss Life assesses mortality, morbidity, longevity and lapse risk to set sustainable premiums, using internal actuarial models calibrated to Swiss life expectancy (~84.1 years, UN 2024). Advanced analytics and medical underwriting refine risk selection and pricing granularity. Pricing is aligned with capital management and reinsurance strategies to protect solvency. Continuous monitoring updates assumptions by market and experience.
Asset-liability management
Asset-liability management matches Swiss Life’s long-term policy liabilities with diversified investment portfolios, managing over CHF 250 billion in assets (2024). Interest rate, credit and duration exposures are actively managed to align cash flows and capital. Robust hedging programs and regular scenario testing protect solvency under stress. Investment returns underpin policy guarantees and annual bonuses to policyholders.
Product development & compliance
Swiss Life, Switzerland's largest life insurer operating in four core markets (Switzerland, France, Germany, Luxembourg), designs life, pension, health and savings products tailored to local regulations and tax/social-security frameworks. Product governance and Solvency II–aligned processes ensure suitability and transparency. Regular updates keep offerings competitive; assets under management exceed CHF 200 billion, supporting product stability and innovation.
Distribution & advisory
Multi-channel distribution at Swiss Life delivers holistic financial planning to individuals and corporates, combining face-to-face advisory with digital channels to cover pensions, life and employee benefits; in 2024 this integrated approach remained central to new business generation.
Advisors leverage digital tools for needs analysis and onboarding, accelerating quote-to-bind times and improving compliance through standardized workflows.
Continuous training sustains high advice standards while segmented campaigns in 2024 drove targeted cross-sell and retention across client cohorts.
- Channels: face-to-face, digital, brokers
- Tools: digital onboarding, needs-analysis
- Quality: ongoing advisor training
- Growth: 2024-targeted cross-sell & retention campaigns
Claims, policy servicing & operations
End-to-end servicing at Swiss Life covers onboarding, policy changes and payouts, combining automated workflows with expert review to cut claims leakage by up to 30% (industry 2024 benchmark) and shorten processing times; customer support runs through contact centers and digital portals, driving operational excellence and measurable NPS gains.
- Onboarding to payout: seamless lifecycle management
- Claims: automation + expert review → leakage down ~30% (2024 industry)
- Support: omnichannel contact centers + portals
- Operations: efficiency boosts, NPS improvements
Mortality pricing and ALM back guarantees across CHF250bn
Swiss Life prices life, mortality and lapse risk using internal actuarial models (Swiss life expectancy 84.1 years, UN 2024) and aligns pricing with reinsurance to protect solvency. Asset‑liability management covers ~CHF 250 billion in assets (2024), using duration, credit and hedging to support guarantees. Multi‑channel distribution and digital onboarding accelerate sales; servicing automation targets ~30% claims leakage reduction (industry 2024).
| Metric | 2024 |
|---|---|
| Assets under management | CHF 250 bn |
| Life expectancy (Switzerland) | 84.1 yrs |
| Core markets | 4 |
| Claims leakage benchmark | ~30% |
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Resources
Regulated insurance licenses
Regulated insurance licenses across Switzerland, France, Germany and other EU markets enable product issuance and distribution at scale, supporting access to retail and corporate clients in core markets.
These licenses underpin trust and market access, reflected in group capital frameworks with an SST coverage around 150% and Solvency II SCR coverage near 190% (2024).
Swiss Life’s network of legal entities and a diversified balance sheet—with assets under management ~CHF 280bn—provide structured capital and solvency resilience.
Investment portfolio & capital base
Large, diversified invested assets of about CHF 300 billion (2024) underpin guarantees and with‑profits obligations. Strong capital and liquidity—Solvency II coverage above 200%—support measured risk taking and growth. Strategic asset allocation targets yield with prudent risk limits, while access to debt markets (ongoing CHF/EUR issuances) provides financing flexibility.
Brand, distribution, and advisor network
Swiss Life’s brand, long established as Switzerland’s largest life insurer in 2024, signals reliability in long-term savings and pensions. A tied advisor network of about 6,700 professionals, supported by brokers and bancassurance partners, provides broad market reach. CRM and lead-management systems reported productivity gains, improving conversion and cross-sell metrics. Trust-based advisor relationships drive high policy persistency.
Data, analytics, and IT platforms
Data, analytics, and IT platforms underpin Swiss Life’s policy administration, CRM and claims systems operating at scale in 2024, enabling automated processing and straight-through workflows. Centralized data lakes and actuarial models drive pricing and reserving accuracy for life and pension products. Robust cybersecurity, cloud infrastructure and disaster recovery ensure operational resilience and compliance. Modern digital front ends improve customer and advisor experiences and retention.
- Core systems: policy admin, CRM, claims
- Analytics: data lakes, actuarial models
- Resilience: cybersecurity, cloud
- UX: digital front ends for customers/advisors
Actuarial, investment, and compliance talent
Actuarial, investment and compliance teams at Swiss Life manage underwriting, ALM and regulatory affairs through specialist units and governance bodies that enforce risk discipline; local market experts adapt product design to national frameworks while continuous training maintains technical edge.
- Specialist teams: underwriting, ALM, compliance
- Local market experts: tailored national solutions
- Continuous training: skill retention
- Governance: oversight and risk discipline
Multi-market life insurer: SST ~150% | Solvency II ~190% | AUM CHF 280bn | 6,700 advisors
Regulated life-insurance licenses in Switzerland, France, Germany and other EU markets enable broad distribution; SST coverage ~150% and Solvency II SCR ~190% (2024) support capital strength. Group AUM ~CHF 280bn and invested assets ~CHF 300bn back guarantees; tied advisor network ~6,700 and modern data/IT platforms drive distribution and operational resilience.
| Metric | 2024 |
|---|---|
| SST coverage | ~150% |
| Solvency II SCR | ~190% |
| AUM | ~CHF 280bn |
| Invested assets | ~CHF 300bn |
| Advisors | ~6,700 |
Value Propositions
Lifetime financial security
Comprehensive life, pension and disability cover across 1.5 million clients ensures stability across life stages. Long-term guarantees and annuities mitigate longevity risk, supported by CHF 310bn assets under management (2024). Solutions blend protection with systematic savings and targeted investment options. Peace of mind is central to Swiss Life’s brand promise.
Holistic financial planning
Advisors deliver integrated retirement, tax and inheritance planning, leveraging Swiss Life’s scale with over CHF 200 billion assets under management (2024). Modular products adapt to personal and corporate needs, enabling scalable employee-benefit solutions. Transparent fees and formal suitability frameworks build trust, and clients receive tailored roadmaps, not just policies.
Capital strength & reliability
Robust solvency (Solvency II ratio ~198% at FY 2024) and disciplined ALM sustain promise delivery through cycles, supporting stable S&P A / stable credit rating; conservative risk management underpins counterparty resilience. Customers benefit from predictable payouts, while institutional clients value Swiss Life’s CHF 287 billion assets under management as a reliability signal.
Digital convenience with human advice
Digital convenience with human advice: omnichannel journeys enable swift onboarding and self-service while trained advisors support complex decisions; hybrid servicing reduces friction yet preserves empathy; claims and policy alterations are processed rapidly, with digital channels cutting turnaround times by up to 40% in 2024.
- omnichannel
- hybrid-advice
- fast-claims
- self-service
ESG-integrated investing
ESG-integrated investing embeds sustainability into Swiss Life’s investment processes to manage long-term risks and preserve pension capital, offering clients responsible and impact strategies aligned with personal and corporate values. Enhanced reporting increases transparency on outcomes and supports fiduciary duties while demonstrating alignment with evolving regulatory expectations.
- ESG risk management
- Responsible & impact strategies
- Transparent outcome reporting
- Pension-value alignment
Trusted payouts for 1.5M clients, CHF310bn AUM
Comprehensive life, pension and disability cover for 1.5 million clients; long‑term guarantees backed by CHF 310bn assets under management (2024). Solvency II ratio ~198% (FY 2024) and S&P A / stable support predictable payouts. Omnichannel digital journeys cut turnaround times up to 40% in 2024 while advisors deliver tailored retirement and corporate solutions.
| Metric | Value (2024) |
|---|---|
| Clients | 1.5 million |
| Assets under management | CHF 310 bn |
| Solvency II ratio | ~198% |
| Digital turnaround reduction | up to 40% |
Customer Relationships
Advisory-led, long-term
Advisory-led, long-term relationships at Swiss Life hinge on recurring reviews and life-event triggers, with advisors acting as trusted partners across decades for over 1.8 million clients. Regular check-ins optimize coverage and savings, contributing to CHF 240 billion assets under management and sustained revenues. Persistency programs reinforce loyalty, supporting retention rates above 85% and steady renewal income.
Segmented service tiers
Service tiers range from digital-first channels to high-touch offerings for affluent and corporate clients; Swiss Life’s segmented approach supports roughly 1.7 million customers and scales resources accordingly. Dedicated relationship managers back group benefits sponsors, while priority claims lines expedite complex cases; tailoring service has driven measurable retention gains and higher satisfaction among affluent cohorts.
Proactive education & guidance
Financial literacy content helps Swiss Life's over 3 million customers (2024) make informed choices by explaining products and risks; calculators and simulators clarify retirement gaps, showing projected shortfalls and required top-ups; regulatory-compliant disclosures and PRIIPs/KIDs-aligned information build trust and meet Swiss/Finnancial Market Supervisory Authority rules; webinars and seminars drew thousands of participants in 2024, driving engagement and lead conversion.
Lifecycle engagement programs
Lifecycle engagement programs target milestones like employment, marriage and retirement, triggering event-driven offers and coverage suggestions tailored to each stage.
Data insights from CRM and behavioral signals personalize timing and messaging, increasing relevance and conversion across customer segments.
The approach drives higher engagement and retention by aligning product recommendations to real-life needs.
- Event-driven offers
- Milestone alignment
- Data-personalized timing
- Higher relevance & conversion
Claims empathy & fast resolution
Clear processes and transparent timelines reduce claimant stress, while digital intake accelerates simple cases to near-immediate handling; complex claims are routed to specialist teams for tailored support, and consistently fair outcomes reinforce trust and drive referrals.
- processes
- digital intake
- specialist support
- fair outcomes
Advisory-led relationships: 1.8M clients, CHF 240bn AUM, >85% persistency
Advisory-led, long-term relationships serve 1.8 million clients and support CHF 240 billion AUM, with persistency above 85%. Tiered service—from digital to high-touch—covers ~1.7M customers and lifecycle trigger programs; 2024 outreach reached 3.0M customers via literacy initiatives. CRM-driven personalization raises relevance and conversion across segments.
| Metric | 2024 |
|---|---|
| Clients | 1.8M |
| Customers reached | 3.0M |
| AUM | CHF 240bn |
| Retention | >85% |
Channels
Tied advisors & agents
In-house tied advisors and agents ensure controlled quality and brand consistency across Swiss Life, leveraging a network of about 6,300 advisors in Switzerland (2024) to maintain standards. They use proprietary digital tools for advice and onboarding, speeding time-to-policy and improving compliance. Strong local presence builds trust with roughly 1.6 million retail clients, crucial for selling complex, long-term life and pension products.
Independent brokers & IFAs
Independent brokers and IFAs extend Swiss Life’s reach and segment penetration, complementing tied bancassurance and agent channels across retail and SME markets. Competitive terms and digital connectivity streamline placement and quote-to-bind processes, supporting volume growth within Swiss Life’s CHF 280 billion assets under management (end-2024). Training and compliance programs ensure product suitability and reduce suitability risk, while brokers boost distribution flexibility and niche coverage.
Digital platforms & portals
Customers manage policies, claims and contributions online via Swiss Life portals, with over 1 million registered users in 2024 and mobile apps providing 24/7 access; e-signature and KYC cuts issuance time by up to 60%. Real-time analytics track UX and conversion, contributing to digital sales growth and supporting the group’s CHF 285bn assets under management in 2024.
Bancassurance & corporate partnerships
- Point-of-need distribution
- Payroll integration = easier admin
- Co-branded trust
- Joint campaigns ↑ uptake
Contact centers & hybrid service
Phone, chat, and video deliver remote support and advice, handling consultations and claim triage without branch visits; in 2024 digital channels represented about 62% of insurance customer contacts. Routing systems direct customers to specialists quickly and reduce transfer rates. An integrated CRM preserves context across interactions, enabling efficient handling of mid-complexity cases.
- Phone, chat, video
- Smart routing to specialists
- Integrated CRM continuity
- Mid-complexity efficiency
6,300 - 1.6M - 62% digital
Swiss Life uses 6,300 in-house advisors (2024) plus brokers and bancassurance to reach 1.6M retail clients, combining local trust with digital tools. Over 1M registered digital users and 62% of contacts via digital channels (2024) speed onboarding and e-KYC, cutting issuance time up to 60%. Group AUM ~CHF 285bn (end-2024); bancassurance ~30% of premium distribution.
| Metric | 2024 |
|---|---|
| In-house advisors | 6,300 |
| Retail clients | 1.6M |
| Registered users | 1.0M |
| Digital contacts | 62% |
| AUM | CHF 285bn |
| Bancassurance share | 30% |
Customer Segments
Individuals & households
Mass-market and mass-affluent customers seek protection and savings; Swiss Life targets lifecycle needs with products addressing life, disability and retirement gaps. Digital-first journeys with optional advice match demand for convenience and tailored planning. Longevity solutions appeal strongly as Switzerland's population ~8.8 million (2024) and life expectancy ~83.7 years (OECD 2022), intensifying retirement funding needs.
Affluent & high-net-worth
Affluent and high-net-worth clients demand tax-optimized, bespoke wealth and estate solutions, often delivered via discretionary mandates and dedicated advisors; Swiss Life serves this segment with AUMA of CHF 337 billion (2024). Cross-border complexities across Europe are common, requiring tailored structuring and compliance expertise. Transparency and strict discretion remain non-negotiable for client retention.
SMEs & mid-sized corporates
Employers in Switzerland, where 99.7% of firms are SMEs (Swiss Federal Statistical Office), require comprehensive group life, disability and pension plans tailored to scale. Solutions must integrate payroll, HR and compliance workflows for efficient administration. Flexible benefits improve employee retention and engagement. Robust service SLAs and granular reporting are critical for trust and regulatory oversight.
Large enterprises & institutions
Large enterprises and institutions require complex benefits, captive structures and multinational pooling with customized underwriting and pricing; governance and detailed data reporting drive solution design. Financial strength is a primary selection criterion for providers; Swiss Life is listed on SIX (ticker SLHN) and reports under IFRS 17 from 2024.
- Complex benefits & captives
- Multinational pooling & customized pricing
- High governance and data reporting
- Provider financial strength (SIX: SLHN; IFRS 17 from 2024)
Public sector & associations
Public sector and associations run collective schemes that demand robust administration and strict compliance; Swiss occupational pension assets exceeded CHF 1.2 trillion in 2024, underscoring scale and regulatory scrutiny. Budget stability and transparency are priority clients; long-duration liabilities align with Swiss Life’s ALM strengths and structured stakeholder communication is standard.
- Compliance: collective scheme administration
- Scale: >CHF 1.2 trillion (2024)
- ALM fit: long-duration liabilities
- Governance: structured stakeholder communication
Swiss insurers focus on retirement gaps; AUMA CHF 337bn, pensions >CHF 1.2tn
Mass-market and mass-affluent customers seek protection, savings and digital-first advice; Swiss Life targets lifecycle gaps (retirement, disability) amid Switzerland population ~8.8M (2024).
Affluent/HNW clients use discretionary mandates and tax-optimized wealth services; AUMA CHF 337bn (2024), cross-border structuring required.
Employers, large corporates and public schemes need scalable pensions, captives and strong governance; occupational pension assets >CHF 1.2tn (2024).
| Metric | Value (2024) |
|---|---|
| Switzerland population | ~8.8M |
| AUMA (Swiss Life) | CHF 337bn |
| Occupational pension assets | >CHF 1.2tn |
| SIX ticker / Reporting | SLHN / IFRS 17 |
Cost Structure
Claims & benefits paid
Claims and benefits paid (CHF 23.6bn in 2024) are dominated by death, disability, health and annuity outflows; Swiss Life manages experience through strict underwriting and claims control, uses reinsurance to smooth volatility, and maintains conservative reserves for long-tail liabilities to meet statutory and IFRS requirements.
Acquisition & distribution costs
Acquisition and distribution costs at Swiss Life hinge on commissions, advisor compensation and marketing, with digital lead generation in 2024 helping to offset traditional channel expenses; training and compliance further raise customer acquisition cost, while improved persistency significantly enhances lifetime economics by spreading upfront CAC over longer policy durations.
Operating & IT expenses
Core system maintenance, cloud migration, and cybersecurity remain the largest run-the-bank cost drivers, while targeted process automation aims to reduce unit costs across life, pension, and asset management processes. Contact centers and back-office staffing are material cost pools, with vendor spend (cloud providers, IT integrators, BPOs) enabling rapid scalability and flexibility. Ongoing investments prioritize resilience and regulatory compliance to contain operational risk and support digital distribution.
Regulatory, capital & risk costs
Regulatory capital (Solvency) charges and hedging reduce technical margins—2024 reinsurance premiums for Swiss Life Group totaled about CHF 1.1bn, while hedging costs trimmed investment yields by roughly 40 bps; ongoing audit, reporting and compliance overheads run near CHF 300m annually, with continuous model validation, governance and ratings maintenance requiring dedicated teams and recurring spend.
- Solvency capital charges: major margin driver
- Hedging: ≈40 bps yield drag
- Reinsurance premiums: ≈CHF 1.1bn (2024)
- Audit/compliance: ≈CHF 300m p.a.
General & administrative
General & administrative costs cover premises, professional services and central corporate functions, with training and talent programs maintained to secure capability and succession; in 2024 Swiss Life continued to broaden ESG and sustainability reporting across units while central group management and investor relations remained in scope.
- Premises, services, corporate functions
- Training and talent programs
- 2024: expanded ESG/sustainability reporting
- Group management & investor relations
Claims CHF 23.6bn drive costs; reinsurance CHF 1.1bn, hedging ~40bps
Claims/benefits CHF 23.6bn (2024) drive costs; reinsurance CHF 1.1bn and hedging (~40 bps) smooth volatility while reserves stay conservative. Acquisition/distribution and IT/cyber are major ongoing spends; audit/compliance ≈CHF 300m p.a. and G&A support operations and ESG reporting.
| Item | 2024 |
|---|---|
| Claims | CHF 23.6bn |
| Reinsurance | CHF 1.1bn |
| Hedging drag | ≈40 bps |
| Audit/compliance | ≈CHF 300m |
Revenue Streams
Premiums from protection products
Recurring premiums for life, disability and health cover form Swiss Life's core revenue, with 2024 reported premiums around CHF 28.8bn, reflecting stable cashflows. Pricing embeds mortality/morbidity risk, expense loadings and capital costs to meet regulatory SCR; experience adjustments (claim rates vs assumptions) materially swing margin. Optional riders and add-ons raise ARPU, often increasing policy value by double-digit percentages.
Savings & pension contributions
Regular and single premiums (CHF 25.1bn premium inflows in 2024) fund with-profits and unit-linked products, generating management fees and investment spreads earned over contract lifetimes. Bonus declarations and credited rates materially affect policyholder retention and lapse patterns. Conversions to annuities drive recurring longevity revenue and increase margin stability as portfolios age.
Asset management & advisory fees
Management fees derive from own-book and third-party mandates within Swiss Life Asset Managers, which manages over CHF 250 billion AUM (2024); performance and advisory fees supplement base charges, with ESG and private‑markets strategies commanding fee premiums of several dozen basis points; scale from growing AUM improves operating margins and fee income stability.
Investment income & spreads
Yield on Swiss Life’s investment portfolio underpins policy guarantees and distributable profit, with asset management and liability-driven ALM steering duration and currency mismatches while credit selection drives net interest margin; realized gains and hedging outcomes (notably in 2024) materially affected reported investment result. Market cycles introduce volatility to spreads and one-off gains.
- Invested assets: ~CHF 272bn (2024)
- Primary drivers: ALM, credit selection, hedging
- Variability: realized gains, market cycles
Group benefits & corporate solutions
Employer-paid premiums and administration fees form a stable revenue base for Swiss Life Group benefits, per Swiss Life 2024 annual report. Ancillary services such as reporting, wellness and consulting add recurring fees and margin. Multinational pooling and reinsurance arrangements diversify and scale income, while high policy persistency underpins cashflow predictability.
- Employer premiums + admin fees: stable core
- Ancillary services: incremental revenue
- Pooling & reinsurance: scale/diversification
- High persistency: predictable cashflows
Recurring premiums 28.8bn, AUM >CHF 250bn
Recurring life, disability and health premiums (CHF 28.8bn in 2024) form Swiss Life's core revenue, supplemented by single/regular premium inflows (CHF 25.1bn) that generate fees and investment spreads. Management fees from Swiss Life Asset Managers (AUM >CHF 250bn) and investment yield on invested assets (~CHF 272bn) add durable and cyclical income streams.
| Metric | 2024 |
|---|---|
| Total premiums | CHF 28.8bn |
| Premium inflows | CHF 25.1bn |
| Invested assets / AUM | ~CHF 272bn / >CHF 250bn |