Swiss Life
Swiss Life Holding AG is a Zurich-headquartered, publicly listed life insurer and asset manager serving 1.4 million private and 50,000+ corporate clients across Switzerland, France, Germany, and Luxembourg with insurance, pensions, mortgages, and wealth management via a 35+ agency network and digital portals.
- Company typePublic
- Founded1858
- HeadquartersZürich, Switzerland
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Swiss Life does
Swiss Life Holding AG is a Zurich-headquartered, publicly listed (SIX Swiss Exchange: CH0014852781; OTCMKTS: SZLMY) insurance and financial services group founded in 1857, operating across Switzerland, France, Germany, and Luxembourg. The company combines traditional life and health insurance, occupational pension (BVG) solutions, asset management, and real estate/mortgage services under a multi-brand architecture (Swiss Life Asset Managers, Wealth Managers, Immopulse, Select, Pension Services, Building, Home in One, SimplyCare, Avenue), serving 1.4 million private clients and over 50,000 corporate clients in Switzerland alone.
The technology stack is anchored by the Kundenportal (customer portal) and myLife employer portal for 24/7 self-service contract management, complemented by the 1e-Plan investment management module, an award-winning tablet-based Digital Advisory Process, the Swiss Life Hypo-Check mortgage calculator, and the SwissFEX mortgage comparison platform. Distribution runs through more than 35 general agencies across Switzerland, supplemented by video and at-home consultations, broker channels, and ISO 27001-certified internal IT. Revenue mechanics are predominantly subscription/recurring: life insurance premiums, pension administration fees, fee-based third-party asset management (2025 fee result CHF 858 million), supplementary health insurance premiums, and transactional real estate services. The company is mid-execution on its Swiss Life 2027 transformation programme, which targets a CHF 1 billion fee result and a shift toward capital-light services. Recent strategic actions include the divestiture of Swiss Life Network to Generali Group (announced February 2026, expected close H1 2026), the sale of a ~17% stake in Amprion/M31 to RWE (June 2026), the February 2025 acquisition of ZWEI Wealth, and a CHF 250 million hybrid bond placement in September 2025.
Swiss Life firmographics
Firmographics- Name
- Swiss Life
- Legal name
- Swiss Life Holding AG
- Website
- https://swisslife.ch
- Company type
- Public
- Founded year
- 1858
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Swiss Life Holding AG is a Zurich-headquartered, publicly listed life insurer and asset manager serving 1.4 million private and 50,000+ corporate clients across Switzerland, France, Germany, and Luxembourg with insurance, pensions, mortgages, and wealth management via a 35+ agency network and digital portals.
- Ownership category
- akta.pro rank
Swiss Life industry classification
Industry- Product category
- Life Insurance and Pension Services
- NAICS
- Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Portfolio Management and Investment Advice (52394), Insurance Agencies and Brokerages (52421)
- SIC
- Life Insurance (6311), Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Whole Life Insurance (FSAIABAA)
- akta.pro secondary industries
- Level Term Life Insurance (FSAIAAAA), Basic Group Term Life (Employer-Paid) (FSAIADAA)
Keywords
Where Swiss Life is headquartered
LocationHeadquarters
- HQ city
- Zürich
- HQ country
- Switzerland
- HQ region
- Europe
Offices14 records
Markets served
Swiss Life business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Life Insurance Premiums: Traditional life insurance products generating revenue through insurance premiums collected from policyholders, combining traditional life insurance with expanding capital-light fee-based services.
- Fee-Based Asset Management: Fee income from advisory services and third-party asset management activities. In 2025, fee result was CHF 858 million with asset management segment earnings of CHF 414 million. Third-party net new assets nearly doubled to CHF 17.7 billion.
- Health and Protection Insurance: Revenue from health and protection insurance products including SimplyCare supplementary health insurance offerings.
- Pension Solutions: Corporate pension solutions including Swiss Life Business Premium, pension fund management, and BVG (occupational pension) administration services.
- Real Estate Services: Swiss Life Immopulse provides property offerings, real estate management, and related services for both private homeowners and institutional investors.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Fixed-rate mortgages (Festhypothek) with terms from 3-25 years |
| Usage-based | Pay-as-you-go | SARON mortgages with 3-year or 5-year framework terms |
| Usage-based | Pay-as-you-go | Variable mortgages |
| Subscription | Monthly | SimplyCare health insurance supplementary packages |
| Subscription | Annual | Pillar 3a maximum annual contribution |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Swiss Life product offering
Product offeringCore offering
Swiss Life sells life, health, and pension insurance products to private individuals and corporate clients in Switzerland, complemented by mortgage lending, real estate services, wealth management, and third-party asset management. Revenue is generated through insurance premiums, advisory and asset management fees, and pension fund administration services, delivered via a 35+ office general agency network, digital self-service portals, and dedicated enterprise sales.
Product overview
Swiss Life operates as a diversified insurance and asset management group combining traditional life and health insurance with capital-light fee-based advisory services across Switzerland, France, Germany, and Luxembourg. Its private customer offering centers on the Kundenportal (customer portal) and myLife employer portal as digital access points, supported by a network of general agencies. The health insurance portfolio is organized under the SimplyCare brand with segmented offerings for sports enthusiasts (SimplyCare for Sports Enthusiasts), travelers (SimplyCare for Travellers), and cost-conscious customers (SimplyCare for Savers), all integrated with the Sanitas App for claims submission. Property and casualty products include Swiss Life Building (building insurance), Swiss Life Home in One (bundled home contents, liability, and building coverage), and Swiss Life Avenue (motor insurance). The real estate and mortgage offering is anchored by Swiss Life Immopulse for property listings and transaction support, paired with a suite of mortgage products — Festhypothek (fixed-rate), SARON-Hypothek (SARON-variable), Variable Hypothek, and Grüne Hypothek (green mortgage) — supported by the Swiss Life Hypo-Check calculator and the SwissFEX broker comparison platform. For corporate clients, Swiss Life provides Swiss Life Pension Services (SLPS) for pension fund administration, Swiss Life Business Premium for occupational pensions, myLife as an employer portal, the Swiss Life Business Network for peer networking, a Course Center for trustee training, and Betriebliches Gesundheitsmanagement (BGM) for workplace health. Savings and investment products include Swiss Life FlexSave Uno/Duo, Swiss Life Dynamic Elements Uno/Duo, and the Swiss Life 1e Plan for pension investment choice. Asset management is handled by Swiss Life Asset Managers and Swiss Life Wealth Managers. The SimplyCare brand is positioned as supplementary health insurance complementing basic coverage, distinct from the core life and pension products.
Differentiator
Problem solved
Functional benefit
Brands
- Swiss Life Wealth Managers: Individual private wealth management services
- Swiss Life Immopulse
- Swiss Life Asset Managers
- Swiss Life Select
- Swiss Life Pension Services (SLPS)
- SimplyCare
- Avenue
- Swiss Life Building
- Swiss Life Home in One
- SwissFEX
- myLife
- Kundenportal
Products and services
- Swiss Life Wealth Managers
Quantifiable outcome
- Up to CHF 2,000 annual tax savings through pillar 3a contributions
- +3 more outcomes
Companies that use Swiss Life
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
Swiss Life technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature5 records
Swiss Life partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered major and core.
- Generali GroupmajorGenerali signed binding agreement to acquire Swiss Life Network and entered long-term commercial partnership with Swiss Life Global Solutions, creating a combined employee benefits network managing over EUR 3 billion in premiums across 130 countries with nearly 200 local partners. Transaction subject to regulatory approvals, expected to close in H1 2026.
- Norm TechnologiescoreSwiss proptech firm Norm Technologies partnered with Swiss Life as one of major financial institution partners for building energy efficiency management software integrating building energy consumption data, asset assessment, carbon emission measurement, and AI report generation.
- UBScoreUBS partnered with Norm Technologies alongside Swiss Life, Swiss Prime Site, Helvetia, and energy supplier SAK as part of the building energy efficiency management ecosystem.
- Swiss Prime SitecoreSwiss Prime Site partnered with Norm Technologies alongside Swiss Life, UBS, Helvetia, and energy supplier SAK for building energy efficiency management solutions.
- HelvetiacoreHelvetia partnered with Norm Technologies alongside Swiss Life, UBS, Swiss Prime Site, and energy supplier SAK for building energy efficiency management solutions.
- SwissFEXcoreSwissFEX is a mortgage brokerage platform partner enabling comparison of mortgage offerings from multiple providers. Swiss Life uses this platform to provide customers with unbiased mortgage selection options.
Scale indicators12 records
Recent moves7 records
Expansion highlights6 records
Swiss Life competitors and assessment
Company assessmentRegional players
- Mobiliar: Swiss mutual insurance company with strong P&C and life offerings focused exclusively on Switzerland. Comparable in domestic Swiss market positioning and multi-channel distribution, though more concentrated in P&C.
Broad incumbents
- AXA: European insurance leader with life, health, P&C, and asset management operations across France, Switzerland, Germany, and broader Europe. Direct overlap with Swiss Life's Swiss/French/German footprint and product categories.
- Allianz: Global insurance and asset management giant with major life insurance, P&C, and asset management businesses across Europe. Comparable product mix (life, pensions, asset management) with far broader international scale than Swiss Life.
- Swiss Re: Swiss-based global reinsurer and large insurance provider. Adjacent in life and health reinsurance plus institutional asset management; broader and more reinsurance-heavy than Swiss Life but shares Swiss heritage and insurance expertise.
- Generali Group: Italian global insurer with major European life and P&C operations. Now acquiring Swiss Life Network and entering a long-term partnership with Swiss Life Global Solutions, making it both a partner and competitor in employee benefits.
- UBS Wealth Management: Swiss-headquartered global wealth manager and universal bank. Comparable through Swiss Life Wealth Managers' positioning; substantially larger and broader in scale, plus a co-partner of Swiss Life in the Norm Technologies ecosystem.
Direct peers
- Zurich Insurance Group: Swiss-headquartered global insurer offering life, P&C, and asset management products. Closest direct peer to Swiss Life within the Swiss insurance landscape with similar multi-line offerings and European/international reach.
- Baloise Group: Swiss-based insurance and banking group offering life, P&C, and pensions across Switzerland, Germany, Belgium, and Luxembourg. Directly comparable in product mix, Swiss market focus, and European footprint.
- Vontobel: Swiss wealth and asset manager with private banking and institutional asset management. Comparable through Swiss Life Wealth Managers and Swiss Life Asset Managers; smaller scale but overlapping Swiss wealth clientele.
- Helvetia Insurance: Swiss insurance group providing life, P&C, and reinsurance across Switzerland, Germany, France, Italy, Austria, and Spain. Already a co-partner of Swiss Life in Norm Technologies and structurally similar in product mix.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Swiss Life social profiles
Digital presenceSwiss Life compliance and trust
Trust signalCompliance1 record
Swiss Life financial estimates
Financial estimateRevenue estimate
Valuation estimate
Swiss Life leadership team
Management profileNumber of profiles
Profiles1 record
Swiss Life subsidiaries and ownership
Company hierarchySubsidiaries10 records
Swiss Life funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Swiss Life M&A and investment
M&A and investmentM&A3 records
Investments8 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Swiss Life
What does Swiss Life do?
Swiss Life sells life, health, and pension insurance products to private individuals and corporate clients in Switzerland, complemented by mortgage lending, real estate services, wealth management, and third-party asset management. Revenue is generated through insurance premiums, advisory and asset management fees, and pension fund administration services, delivered via a 35+ office general agency network, digital self-service portals, and dedicated enterprise sales.
Is Swiss Life a public or private company?
Swiss Life is a public company. It is classified as public and is currently operating.
When was Swiss Life founded?
Swiss Life was founded in 1858. It employs 1,001 to 5,000 people.
Where is Swiss Life based?
Swiss Life is headquartered in Zürich, Switzerland, in the Europe region.
How does Swiss Life make money?
Five revenue lines are on record. Life Insurance Premiums are the primary driver. The others are fee-Based Asset Management, health and Protection Insurance, pension Solutions and real Estate Services.
Who are Swiss Life's main competitors?
Mobiliar is listed as a regional player. Broad incumbents are AXA, Allianz, Swiss Re, Generali Group and UBS Wealth Management. Direct peers are Zurich Insurance Group, Baloise Group, Vontobel and Helvetia Insurance.
Does Swiss Life have an API?
No public API is recorded for Swiss Life.
What industry is Swiss Life in?
Swiss Life's product category is Life Insurance and Pension Services. Its primary akta.pro industry code is FSAIABAA, Whole Life Insurance, with a secondary code of FSAIAAAA, Level Term Life Insurance. Its NAICS code is 524113 and its SIC code is 6311.