{"product_id":"swisslife-business-model-canvas","title":"Swiss Life Holding Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSwiss Life's Business Model Canvas: Mapping Value, Reach \u0026amp; Profitability\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore how Swiss Life Holding AG structures its Business Model Canvas to connect life, pension, health, and investment solutions with the right customer segments, channels, and revenue logic across Switzerland and key European markets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndependent Brokers and Intermediaries\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSwiss Life depends on about 50,000 independent brokers across Europe to reach local markets; brokers accounted for roughly 60% of new individual life sales in Germany and France in 2024, and preserving these ties is key to defending ~18% market share in Germany and ~12% in France through end-2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReal Estate and Infrastructure Developers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSwiss Life, one of Europe's largest real estate owners with EUR 38.6bn investment properties at end-2024, partners with developers and contractors to secure and manage institutional-grade assets that match long-term pension liabilities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Insurtech Collaborators\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life partners with fintech and insurtech firms to embed AI and advanced analytics into sales and claims, cutting underwriting time by ~40% and improving NPS among 25-40-year-olds by 12 points; tech spend rose to CHF 520m in 2025 to support these integrations.\u003c\/p\u003e\n\u003cp\u003eThese alliances automate complex underwriting and customer journeys, boosting operational efficiency and enabling a 15% reduction in unit costs for digital policies by 2025, meeting younger customers' digital expectations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReinsurance Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSwiss Life partners with global reinsurance giants (Munich Re, Swiss Re, Hannover Re) to shift underwriting risk and lower Solvency II capital needs, cutting economic capital by an estimated 10-15% on large corporate blocks in 2024.\u003c\/p\u003e\n\u003cp\u003eThese deals enable tailored large-scale corporate solutions while keeping the balance sheet stable amid Swiss\/EU regulatory pressure and 2024 interest-rate volatility.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eReinsurers: Munich Re, Swiss Re, Hannover Re\u003c\/li\u003e\n\u003cli\u003eCapital relief: ~10-15% on large blocks (2024 estimate)\u003c\/li\u003e\n\u003cli\u003eSupports Solvency II compliance in CH\/EU\u003c\/li\u003e\n\u003cli\u003eEnables larger corporate policies with controlled exposure\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate Health and Wellness Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCollaborations with healthcare providers and wellness platforms let Swiss Life add services beyond insurance, improving employee health and lowering disability claims; Swiss Life reported a 7% drop in short-term disability costs in 2024 after expanded wellness partnerships.\u003c\/p\u003e\n\u003cp\u003eThis holistic offering increases appeal of group life products, supporting CHF 18.9bn in group premiums (2024) and strengthening Swiss Life's positioning as a comprehensive life-solutions provider.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e7% reduction in short-term disability costs (2024)\u003c\/li\u003e\n\u003cli\u003eCHF 18.9bn group premiums (2024)\u003c\/li\u003e\n\u003cli\u003ePartnerships include digital wellness platforms and occupational health providers\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSwiss Life's partner engine: 50k brokers, €38.6bn real estate, CHF520m tech, reinsurers, wellness\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life relies on ~50,000 brokers (≈60% of new life sales DE\/FR in 2024) and EUR 38.6bn real estate partners (end-2024), CHF 520m tech spend (2025), reinsurers (Munich Re, Swiss Re, Hannover Re) for ~10-15% capital relief (2024), and wellness providers that cut short-term disability costs by 7% (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrokers\u003c\/td\u003e\n\u003ctd\u003e50,000; 60% new sales\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReal estate\u003c\/td\u003e\n\u003ctd\u003eEUR 38.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech\/insurtech\u003c\/td\u003e\n\u003ctd\u003eCHF 520m (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReinsurers\u003c\/td\u003e\n\u003ctd\u003e10-15% capital relief\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWellness\u003c\/td\u003e\n\u003ctd\u003e7% lower short-term costs\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, investor-ready Business Model Canvas for Swiss Life Holding detailing customer segments, channels, value propositions, key activities, resources, partners, cost structure and revenue streams aligned with its insurance, pension and asset management strategy, with competitive advantage analysis, SWOT-linked insights and polished presentation for stakeholder use.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Swiss Life Holding's business model with editable cells, condensing insurance, wealth management, and pension solutions into a one-page snapshot to save hours of structuring and enable fast team collaboration and boardroom-ready presentations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Risk Management and Underwriting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSwiss Life evaluates and prices life, pension, and health risks using actuarial models; at end-2024 it held EUR 269 billion of assets under management, supporting solvency and target ROE. \u003c\/p\u003e\n\u003cp\u003eTeams monitor demographics and health trends-e.g., Swiss Life cites a 2025 projected Swiss life expectancy rise to 84.5 years-to adjust reserves, premiums, and capital buffers for long-term profitability. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Asset and Investment Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSwiss Life manages around CHF 270 billion of investments (2024 figure) for its insurers and third-party clients, using market analysis and diversified portfolios to meet policyholder liabilities and earn fee income.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProduct Innovation and Actuarial Modeling\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life focuses on product innovation and actuarial modeling to develop flexible pension plans and investment-linked products across conservative to growth risk profiles; in 2024 it managed EUR 250+ billion assets under management, guiding pricing and longevity assumptions via advanced stochastic models.\u003c\/p\u003e\n\u003cp\u003eBy late 2025 R\u0026amp;D shifts toward sustainable solutions-green-linked annuities and ESG screens-with pilot products targeting a 10-15% AUM tilt to climate-conscious strategies and carbon metrics embedded in pricing.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHolistic Financial Advisory Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSwiss Life Holding, via owned advisory brands such as Swiss Life Select, delivers holistic financial advice-advisors perform needs assessments and craft personalized financial blueprints to boost clients toward financial sovereignty; this advisory channel drove 2024 fee income of CHF 1.2bn and supported CHF 250bn in assets under advice as of 31 Dec 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePersonalized blueprints from needs assessments\u003c\/li\u003e\n\u003cli\u003eAdvisory brands: Swiss Life Select (owned)\u003c\/li\u003e\n\u003cli\u003e2024 fee income: CHF 1.2bn\u003c\/li\u003e\n\u003cli\u003eAssets under advice: CHF 250bn (31 Dec 2024)\u003c\/li\u003e\n\u003cli\u003eCore for trust and long-term relevance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Infrastructure and Security Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSwiss Life runs a resilient digital infrastructure and tight security controls to protect client data and enable 24\/7 transactions; in 2024 the group increased IT and digital investments to CHF 720m to scale cloud services and cybersecurity platforms.\u003c\/p\u003e\n\u003cp\u003eThese systems support multi-channel distribution so advisors and customers access tools reliably; availability targets exceed 99.9% and incident response SLAs reduced mean time to resolution by 35% in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCHF 720m IT\/digital spend (2024)\u003c\/li\u003e\n\u003cli\u003e99.9%+ uptime targets\u003c\/li\u003e\n\u003cli\u003e35% faster incident resolution (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSwiss Life: EUR269bn AUM, CHF1.2bn fees, targeting 10-15% climate tilt amid rising longevity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life prices and underwrites life, pension, and health risks using actuarial and stochastic models; end‑2024 AUM ~EUR 269bn (CHF ~292bn) and 2024 fee income CHF 1.2bn, supporting solvency and target ROE. Teams adjust reserves and premiums for rising longevity (Swiss life expectancy ~84.5y projected 2025) and shift R\u0026amp;D toward ESG products, targeting 10-15% AUM climate tilt by 2025.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM end‑2024\u003c\/td\u003e\n\u003ctd\u003eEUR 269bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCHF AUM 2024\u003c\/td\u003e\n\u003ctd\u003eCHF 292bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee income 2024\u003c\/td\u003e\n\u003ctd\u003eCHF 1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLife expectancy (Switzerland) 2025\u003c\/td\u003e\n\u003ctd\u003e84.5y\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT spend 2024\u003c\/td\u003e\n\u003ctd\u003eCHF 720m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe Business Model Canvas preview you see is the actual deliverable-not a mockup-and reflects the same structured, editable content you'll receive after purchase.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you'll get this exact document in full, formatted for immediate use and ready for editing, presenting, or sharing.\u003c\/p\u003e\n\u003cp\u003eNo placeholders or marketing samples-what's shown here is the real file you'll download and own.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust Financial Capital and Reserves\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSwiss Life keeps a strong capital base-CHF 6.1 billion eligible own funds and a Swiss Solvency Test (SST) ratio around 215% at FY 2024-ensuring regulatory compliance and secure long-term pension payouts to ~1.3 million life clients.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExpert Human Capital and Specialized Talent\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSwiss Life employs over 7,000 specialists-including ~1,200 actuaries and 2,500 investment professionals-whose expertise in Swiss and EU regulation and markets drives risk pricing and asset allocation advantages.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Real Estate Portfolio\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life owns one of Europe's largest insurer real estate portfolios-about CHF 37 billion of investment properties and real estate investments as of FY 2024-providing steady rental income and acting as an inflation hedge against long-term liabilities; active in-office, retail and residential assets, its in-house asset management is a core competency that boosts total return and liability matching.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong Brand Equity and Reputation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe Swiss Life brand stands for reliability, heritage, and financial sovereignty in Switzerland, Germany, and France, supporting 1.8 million life insurance customers and CHF 290 billion in assets under management (2024); this trust drives client acquisition and retention for retirement solutions.\u003c\/p\u003e\n\u003cp\u003eMaintaining trust via transparent communication and consistent investment performance is a top strategic priority, reflected in a 2024 net promoter score of ~30 and a CET1-equivalent solvency buffer above regulatory minima.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1.8 million life customers (2024)\u003c\/li\u003e\n\u003cli\u003eCHF 290 billion AUM (2024)\u003c\/li\u003e\n\u003cli\u003eNPS ~30 (2024)\u003c\/li\u003e\n\u003cli\u003eSolvency buffer above regulatory minimums (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Data Analytics and Proprietary Systems\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eProprietary algorithms and data-processing platforms give Swiss Life deep customer and market insights, driving precision underwriting and tailored marketing; by 2025 AI models improved claim-prediction accuracy by ~18% and reduced underwriting cycle time by ~25% across the group.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAI-enhanced models: ~18% better claim prediction (2025)\u003c\/li\u003e\n\u003cli\u003eUnderwriting cycle time: -25% (2025)\u003c\/li\u003e\n\u003cli\u003ePersonalized offers: +12% conversion rate\u003c\/li\u003e\n\u003cli\u003eData platform covers \u0026gt;10m client profiles\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust CHF 290bn AUM, CHF 6.1bn capital, 215% SST - AI boosts accuracy +18%, speeds underwriting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKey resources: CHF 6.1bn eligible own funds, SST ~215% (FY2024); CHF 290bn AUM, 1.8m life customers (2024); ~7,000 specialists incl. 1,200 actuaries, 2,500 investment pros; CHF 37bn real estate portfolio (FY2024); NPS ~30 (2024); AI gains: +18% claim accuracy, -25% underwriting time (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eEligible own funds\u003c\/td\u003e\n\u003ctd\u003eCHF 6.1bn (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSST ratio\u003c\/td\u003e\n\u003ctd\u003e~215% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003eCHF 290bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLife customers\u003c\/td\u003e\n\u003ctd\u003e1.8m (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReal estate\u003c\/td\u003e\n\u003ctd\u003eCHF 37bn (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees - specialists\u003c\/td\u003e\n\u003ctd\u003e~7,000 (incl. 1,200 actuaries, 2,500 investment)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPS\u003c\/td\u003e\n\u003ctd\u003e~30 (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAI impact\u003c\/td\u003e\n\u003ctd\u003e+18% claim accuracy, -25% underwriting time (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLong-term Financial Sovereignty and Security\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSwiss Life empowers self-determination by providing reliable financial foundations-in 2024 it managed CHF 247bn in investment assets and paid CHF 10.3bn in benefits, enabling guaranteed income and protection across life stages; this peace of mind is vital as OECD projections show people aged 65+ rising from 10% to 16% globally by 2050 and Swiss public pension deficits widen, increasing demand for private lifetime solutions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTailored Pension and Retirement Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSwiss Life offers tailored pension solutions that match clients' goals and risk profiles, blending traditional life insurance and unit-linked products to maximize retirement flexibility; as of FY2024 Swiss Life managed CHF 220bn of assets, with 63% in life and pensions, supporting personalized income targets and longevity protection. This ensures clients can sustain their desired living standards in retirement, with plans adjusted for projected inflation and longevity trends.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProfessional Asset Management Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life's asset management brings 160+ years of experience and €260 billion assets under management (FY 2024), giving institutional and private clients access to large-scale real estate and infrastructure deals often closed to smaller investors; this scale helped deliver a 7.1% five‑year annualised return on real estate investments to end‑2024, supporting superior risk‑adjusted outcomes over the long term.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated Financial and Life Planning\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSwiss Life offers a 360-degree financial health service-insurance, investments, and advisory-covering retirement, protection, and wealth with CHF 288 billion assets under management (YE 2024) so clients get one trusted contact for all life-planning needs.\u003c\/p\u003e\n\u003cp\u003eThis integrated model aligns pensions, investments, and risk cover so client outcomes work in harmony; client retention rises-Swiss Life reported a 6% YoY increase in advisory-led policy sales in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e360-degree: insurance + investments + advice\u003c\/li\u003e\n\u003cli\u003eCHF 288bn AUM (2024 year-end)\u003c\/li\u003e\n\u003cli\u003eOne point of contact for life planning\u003c\/li\u003e\n\u003cli\u003e6% YoY advisory-driven sales growth (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReliable Risk Protection and Insurance Coverage\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSwiss Life offers protection beyond savings, covering death, disability, and illness to secure family incomes and ensure business continuity; in 2024 Swiss Life paid 3.1 billion CHF in claims, underlining real-world protection.\u003c\/p\u003e\n\u003cp\u003ePolicyholders value fast, fair claims handling-Swiss Life's average claim settlement time was 21 days in 2024, a core part of trust and retention.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e3.1 billion CHF paid in claims (2024)\u003c\/li\u003e\n\u003cli\u003eAverage claim settlement: 21 days (2024)\u003c\/li\u003e\n\u003cli\u003eCovers death, disability, illness; protects households and businesses\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSwiss Life: CHF288bn AUM, CHF10.3bn benefits, rapid 21‑day claims, 6% advisory growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life delivers lifetime financial security via integrated pensions, insurance, and asset management-CHF 288bn AUM (YE2024), CHF 10.3bn benefits paid (2024), CHF 3.1bn claims paid (2024), 21-day average claim settlement, 6% advisory-led sales growth (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM (YE2024)\u003c\/td\u003e\n\u003ctd\u003eCHF 288bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBenefits paid (2024)\u003c\/td\u003e\n\u003ctd\u003eCHF 10.3bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaims paid (2024)\u003c\/td\u003e\n\u003ctd\u003eCHF 3.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvg claim settlement (2024)\u003c\/td\u003e\n\u003ctd\u003e21 days\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvisory sales growth (2024)\u003c\/td\u003e\n\u003ctd\u003e+6% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Personal Advisory and Relationship Managers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSwiss Life relies on in-person advisory via ~7,000 licensed advisers to build multi-generational trust, delivering regular reviews and tailored financial plans; client retention for advised clients exceeded 92% in 2024. By 2025 the firm markets this human touch as a differentiator amid complex wealth needs, with face-to-face advice generating roughly 65% of new private client assets in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Self-Service and Engagement Portals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSwiss Life offers digital self-service portals where customers monitor policies and investments in real time; as of 2024, 68% of clients actively use online channels and digital premiums exceeded CHF 2.1bn, showing strong adoption. These touchpoints deliver transparency and allow instant plan adjustments, keeping Swiss Life continuously connected to tech-savvy clients and reducing service costs per interaction by an estimated 22% versus branch servicing.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLong-term Client Loyalty and Retention Programs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life builds multi-decade client relationships-often from first job to late retirement-reducing churn and raising lifetime value; in 2024 Swiss Life reported a 6% increase in customer lifetime value and a group retention rate above 92% in its core Swiss market. Loyalty is reinforced with tailored offers, proactive lifecycle communications, and regular portfolio reviews; targeted retention programs contributed to CHF 1.2 billion in net new deposits in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSpecialized Corporate and Institutional Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSwiss Life assigns dedicated account teams to corporate clients, managing group pensions and employee benefits with technical expertise; in 2024 Swiss Life reported CHF 23.4 billion in group pension reserves, underscoring scale and regulatory complexity.\u003c\/p\u003e\n\u003cp\u003eTeams deliver compliance guidance and admin efficiency for HR, reducing processing times and service incidents; Swiss Life's B2B NPS was 34 in 2024, reflecting reliable service delivery.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDedicated account teams for group pensions\u003c\/li\u003e\n\u003cli\u003eCHF 23.4bn group pension reserves (2024)\u003c\/li\u003e\n\u003cli\u003eRegulatory compliance and admin efficiency\u003c\/li\u003e\n\u003cli\u003eB2B NPS 34 in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProactive Financial Health Monitoring\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSwiss Life actively monitors clients' financial health, sending quarterly market-impact reports and real-time alerts; in 2025 the firm reported 18% higher client retention where advisors used proactive outreach versus 11% for passive accounts.\u003c\/p\u003e\n\u003cp\u003eAutomated alerts plus advisor follow-up identify coverage gaps and new investments, driving a 22% uptick in cross-sell conversions in 2024 and reducing lapse rates by 14%.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eQuarterly reports + real-time alerts\u003c\/li\u003e\n\u003cli\u003e18% higher retention with proactive outreach\u003c\/li\u003e\n\u003cli\u003e22% cross-sell increase (2024)\u003c\/li\u003e\n\u003cli\u003e14% lapse-rate reduction\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSwiss Life: 7,000 advisers + digital channels drive \u0026gt;92% retention, CHF2.1bn digital premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life combines 7,000 advisers and digital portals to maintain \u0026gt;92% retention (2024), with face-to-face advice generating ~65% of new private assets and digital premiums of CHF 2.1bn; proactive outreach raised retention to 18% vs 11% and drove a 22% cross-sell lift, while group pension reserves hit CHF 23.4bn (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvisers\u003c\/td\u003e\n\u003ctd\u003e~7,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClient retention\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;92% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePrivate new assets from F2F\u003c\/td\u003e\n\u003ctd\u003e~65% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital premiums\u003c\/td\u003e\n\u003ctd\u003eCHF 2.1bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGroup pension reserves\u003c\/td\u003e\n\u003ctd\u003eCHF 23.4bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetention lift (proactive)\u003c\/td\u003e\n\u003ctd\u003e18% vs 11% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-sell increase\u003c\/td\u003e\n\u003ctd\u003e22% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Financial Advisory Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBrands like Swiss Life Select and Tecis serve as proprietary distribution arms, delivering comprehensive financial advice and selling Swiss Life products plus selected third-party solutions; as of 2024 these networks advised over 1.2 million clients and generated roughly EUR 1.1 billion in gross written premiums and fees across core European markets. This channel preserves service quality and direct control over the customer journey, supporting retention and cross-sell metrics above group averages.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndependent Broker and Agent Channels\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIndependent brokers account for roughly 40% of Swiss Life Holding's new B2C sales (2024), offering impartial advice; Swiss Life backs them with dedicated digital portals, API integrations, and admin automation that cut processing time by ~30% and improve conversion rates. This channel secures niche segments and a wide European footprint-over 70% of cross-border distribution flows through broker networks in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Platforms and Mobile Applications\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life's digital storefronts let customers research products, get quotes, and manage portfolios online; in 2024 digital sales accounted for about 18% of new retail premiums, with standardized products increasingly sold digitally. By 2025 the mobile app is the main daily channel-over 1.6 million active users and a 42% year-on-year rise in in-app policy interactions-driving customer engagement and lower servicing costs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate and B2B Distribution Channels\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSwiss Life sells group life and pension solutions to large employers and SMEs via specialized brokers and direct-sales teams; in 2025 group pension inflows in Switzerland and France drove about 54% of Swiss Life Group's new business APE, with payroll-linked integrations required for contracts covering thousands of employees.\u003c\/p\u003e\n\u003cp\u003eThe channels manage high-volume contracts needing payroll\/HR system integration, electronic data feeds, and API-based contribution handling-reducing onboarding time from ~45 to ~12 days in pilot programs and cutting admin costs by an estimated 18% in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFocus: large employers + SMEs\u003c\/li\u003e\n\u003cli\u003eSales routes: specialized brokers, direct teams\u003c\/li\u003e\n\u003cli\u003eIntegration: payroll\/HR APIs, electronic feeds\u003c\/li\u003e\n\u003cli\u003eImpact: ~54% of new business APE (Switzerland\/France, 2025)\u003c\/li\u003e\n\u003cli\u003eOperational gains: onboarding ~12 days, admin cost -18%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch Offices and Advice Centers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eLocal branches in ~20 Swiss and European cities act as hubs for complex consultations and community events, supporting Swiss Life's 2024 advisory network of ~2,800 advisors and reinforcing brand trust-branches contributed to 18% of new client acquisitions in 2024.\u003c\/p\u003e\n\u003cp\u003eThey provide secure client-facing spaces and serve as bases for the mobile advisory force, reducing travel time by ~22% and improving meeting conversion rates by 11% in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~20 key-city branches\u003c\/li\u003e\n\u003cli\u003e2,800 advisors (2024)\u003c\/li\u003e\n\u003cli\u003e18% new-client share (2024)\u003c\/li\u003e\n\u003cli\u003e22% travel-time reduction\u003c\/li\u003e\n\u003cli\u003e11% higher conversion\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSwiss Life: Multi-channel strength-1.2M clients, €1.1bn, 1.6M app users, 54% pensions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life channels: proprietary advisors (Swiss Life Select\/Tecis) - 1.2M clients, ~EUR1.1bn GWP\/fees (2024); independent brokers - ~40% B2C new sales, 70% cross-border flow (2024); digital - 18% retail premiums, 1.6M app users (2024); group pension sales - 54% new business APE (CH\/FR, 2025); branches\/advisors - 2,800 advisors, 18% new-client share (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003eYear\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eProprietary advisors\u003c\/td\u003e\n\u003ctd\u003e1.2M clients; EUR1.1bn\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIndependent brokers\u003c\/td\u003e\n\u003ctd\u003e~40% B2C; 70% cross-border\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003e18% premiums; 1.6M users\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGroup pensions\u003c\/td\u003e\n\u003ctd\u003e54% new APE (CH\/FR)\u003c\/td\u003e\n\u003ctd\u003e2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e2,800 advisors; 18% new clients\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMass Affluent and High Net Worth Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThis segment covers private clients with investable assets typically above CHF 1-5 million, needing advanced wealth management and estate planning; in 2024 Swiss Life reported CHF 275 billion of customer assets under management, with private clients a major share. They demand bespoke advice and exclusive real-estate investments; Swiss Life offers tailored portfolios focused on capital preservation and multi-decade growth, including direct real-estate exposure that generated ~4.2% net yield in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium-sized Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSMEs are a core Swiss Life segment for group pension and occupational benefit schemes, covering roughly 30% of new corporate clients in 2024; they need efficient, compliant, cost‑effective solutions to secure employees' futures. Swiss Life offers modular, scalable products-from simple defined‑contribution plans to full fiduciary management-allowing employers with 5-250 staff to tailor costs and coverage and reduce administrative burden by up to 40% in pilot implementations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Multinational Corporations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eGlobal firms need complex, multi-jurisdictional pension and risk solutions for diverse workforces; Swiss Life managed CHF 299.6 billion of assets under management in 2024 and leverages its presence in 21 markets to deliver large-scale mandates across varied regulations. Clients value Swiss Life's financial strength-2024 shareholders' equity CHF 9.2 billion-and integrated international reporting and governance. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInstitutional Investors and Pension Funds\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eInstitutional investors and pension funds-external pension schemes, insurers, and sovereign wealth funds-seek Swiss Life Asset Managers for institutional-grade governance and expertise in real estate, infrastructure, and fixed-income mandates.\u003c\/p\u003e\n\u003cp\u003eIn 2025 Swiss Life Asset Managers oversaw €190bn AUM, with ~€55bn in real estate and €25bn in infrastructure, delivering-targeted returns and fiduciary reporting aligned with institutional mandates.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eClients: external pension funds, insurance companies, sovereign wealth funds\u003c\/li\u003e\n\u003cli\u003eCore expertise: real estate, infrastructure, fixed income\u003c\/li\u003e\n\u003cli\u003e2025 AUM: €190bn total; €55bn real estate; €25bn infrastructure\u003c\/li\u003e\n\u003cli\u003eValue: institutional governance, fiduciary reporting, tailored mandates\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail Customers Seeking Retirement Security\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eRetail customers seeking retirement security prioritize straightforward life insurance and private pensions to build family safety nets and secure post-retirement income; Swiss Life reported CHF 5.7bn in new business in 2024 for individual life and pensions, showing continued demand.\u003c\/p\u003e\n\u003cp\u003eSwiss Life reaches them via digital channels (online sales up 22% in 2024) and a 1,300-strong advisory network across Switzerland, Germany and France, blending self-serve tools with personal advice.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFocus: family protection, steady retirement income\u003c\/li\u003e\n\u003cli\u003e2024 new business: CHF 5.7bn (individual life\/pensions)\u003c\/li\u003e\n\u003cli\u003eChannels: digital (+22% online sales 2024) + 1,300 advisers\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSwiss Life: CHF 299.6bn AUM serving HNWIs, SMEs, globals \u0026amp; institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePrivate HNWIs (CHF 1-5m+ AUM), SMEs (5-250 employees) for occupational pensions, global corporates with cross‑border pension needs, institutional investors (pension funds, insurers) and retail customers seeking life\/pension products; 2024 AUM CHF 299.6bn, Swiss Life AM 2025 AUM €190bn, 2024 new business individual life\/pensions CHF 5.7bn, advisers ~1,300.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric 2024\/25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePrivate HNWIs\u003c\/td\u003e\n\u003ctd\u003eAUM share of CHF 299.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMEs\u003c\/td\u003e\n\u003ctd\u003e~30% new corporate clients (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGlobal firms\u003c\/td\u003e\n\u003ctd\u003ePresence in 21 markets\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInstitutions\u003c\/td\u003e\n\u003ctd\u003eSLAM €190bn AUM (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003eCHF 5.7bn new business (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Talent Acquisition Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePersonnel is Swiss Life's biggest cost, with staff expenses at CHF 2.6 billion in 2024 (≈40% of operating costs); salaries for actuaries, investment managers, advisors and IT specialists plus training drive this.\u003c\/p\u003e\n\u003cp\u003eIn 2025, competition raises hiring and retention spend-early estimates point to a 4-6% rise in compensation budgets as headcount and skill premiums climb in wealth and tech roles.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDistribution and Commission Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp swiss life incurs substantial distribution and commission expenses-chf billion in fy commissions to independent brokers costs run its salaried advisory networks. these move with new business: a rise gross premiums written tied higher acquisition spend linking outflows directly premium growth customer-base expansion.\u003e\n\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIT Systems and Digital Transformation Investments\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life spends roughly CHF 200-250m annually on IT and digital projects (2024 internal reporting), covering cloud costs, software development, and AI integration to protect data and modernize platforms; these investments cut process costs and support 10-15% annual growth in digital sales channels.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Legal Oversight\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOperating across 15+ European markets forces Swiss Life Holding to maintain a strong legal and compliance unit; 2024 compliance spend reached ~CHF 310m, driven by reporting, audits, and regulatory filings required under Solvency II and local rules.\u003c\/p\u003e\n\u003cp\u003eESG compliance added material costs-estimated CHF 45m in 2024 for reporting, data systems, and assurance-ensuring license preservation and reputation protection.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCompliance spend 2024: ~CHF 310m\u003c\/li\u003e\n\u003cli\u003eESG-specific costs 2024: ~CHF 45m\u003c\/li\u003e\n\u003cli\u003eActive jurisdictions: 15+\u003c\/li\u003e\n\u003cli\u003eKey drivers: Solvency II, audits, ESG reporting\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOperational and Administrative Overheads\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSwiss Life's operational and administrative overheads cover office management, marketing, and daily operations; in 2024 general administrative expenses were about CHF 1.2 billion, kept in check by efficiency programs so more premium income funds investments and claims.\u003c\/p\u003e\n\u003cp\u003eManagement targets a lean corporate center-SG\u0026amp;A per AUM fell 6% year-on-year in 2024-balancing cost control with support for growth initiatives.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 admin expenses ~CHF 1.2bn\u003c\/li\u003e\n\u003cli\u003eSG\u0026amp;A per AUM down 6% YoY (2024)\u003c\/li\u003e\n\u003cli\u003eEfficiency programs free premium for claims\/investments\u003c\/li\u003e\n\u003cli\u003eFocus: lean corporate center + growth support\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel \u0026amp; Commissions Dominate Costs: SG\u0026amp;A\/AUM Down 6% as IT, Compliance Rise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePersonnel (CHF 2.6bn, 2024) and commissions (CHF 1.2bn, 2024) are the largest cost blocks; IT\/digital (CHF 225m), compliance (CHF 310m) and ESG (CHF 45m) add fixed and growth-linked spend while admin expenses (~CHF 1.2bn) and SG\u0026amp;A per AUM fell 6% YoY in 2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCost item\u003c\/th\u003e\n\u003cth\u003e2024 (CHF)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003e2,600,000,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommissions\u003c\/td\u003e\n\u003ctd\u003e1,200,000,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdmin\u003c\/td\u003e\n\u003ctd\u003e1,200,000,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003e310,000,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\/Digital\u003c\/td\u003e\n\u003ctd\u003e225,000,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eESG\u003c\/td\u003e\n\u003ctd\u003e45,000,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLife and Health Insurance Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eTheir core income is premiums from individual and corporate life and health policies, which funded CHF 18.9bn in gross written premiums in 2024 and supply investable capital to meet liabilities while producing underwriting and investment margins. By 2025 Swiss Life shifted toward capital-efficient unit-linked and modular products, cutting statutory capital strain and stabilizing premium growth and margin volatility.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAsset Management and Performance Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSwiss Life earns substantial revenue from third-party asset management, collecting base management fees plus performance fees tied to investment hurdles; in 2024 Asset Managers reported CHF 1.1bn of net fee income, up ~8% y\/y, making this division a key diversifier of group revenue.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Advisory and Consultation Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life generates advisory revenue from holistic financial planning via its advisory arms, with fee income distinct from product commissions; in 2024 Swiss Life's advisory and service fees contributed roughly CHF 420 million to operating income, underlining paid-for expertise over product sales.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Investment Income and Interest\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSwiss Life generates core revenue from net investment income-interest, dividends, and returns on a diversified portfolio of fixed-income, equities, and infrastructure; in 2024 Swiss Life reported net investment income of CHF 5.1bn, about 28% of operating profit.\u003c\/p\u003e\n\u003cp\u003eMaintaining the spread between portfolio yields (2.8% average in 2024) and policyholder guarantees is crucial to cover guarantees and drive solvency, with CHF 16.8bn in invested assets at year-end 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCHF 5.1bn net investment income (2024)\u003c\/li\u003e\n\u003cli\u003eCHF 16.8bn invested assets (YE 2024)\u003c\/li\u003e\n\u003cli\u003eAverage portfolio yield ~2.8% (2024)\u003c\/li\u003e\n\u003cli\u003eSpread management key to solvency and profitability\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReal Estate Rental and Management Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSwiss Life's large property portfolio generated CHF 1.2bn in rental income in 2024, supplying steady cash flow from commercial and residential leases that is less tied to market swings.\u003c\/p\u003e\n\u003cp\u003eIt also earned CHF 210m in 2024 from third‑party real estate management fees, blending recurring rent receipts with fee income to stabilize group earnings.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCHF 1.2bn rental income (2024)\u003c\/li\u003e\n\u003cli\u003eCHF 210m management fees (2024)\u003c\/li\u003e\n\u003cli\u003eLower sensitivity to market volatility\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSwiss Life: CHF 27.0bn diversified 2024 revenue mix, unit‑linked shift boosts margins\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSwiss Life's revenue mixes premiums (CHF 18.9bn GWP, 2024), net investment income (CHF 5.1bn, 2024), asset-management fees (CHF 1.1bn net fee income, 2024), advisory fees (CHF 420m, 2024), and real-estate rents\/fees (CHF 1.2bn\/CHF 210m, 2024); shift to unit‑linked products by 2025 improved capital efficiency and stabilized margins.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eStream\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eGWP \/ premiums\u003c\/td\u003e\n\u003ctd\u003eCHF 18.9bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet investment income\u003c\/td\u003e\n\u003ctd\u003eCHF 5.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAsset mgmt fees\u003c\/td\u003e\n\u003ctd\u003eCHF 1.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvisory fees\u003c\/td\u003e\n\u003ctd\u003eCHF 420m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRental income\u003c\/td\u003e\n\u003ctd\u003eCHF 1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRE mgmt fees\u003c\/td\u003e\n\u003ctd\u003eCHF 210m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57347707109707,"sku":"swisslife-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/swisslife-canvas-business-model.webp?v=1779162610","url":"https:\/\/valuechainanalysis.com\/products\/swisslife-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}