With the consistent and successful implementation of its multi-year strategy programmes, Swiss Life ensures that the long-term value propositions made to its customers are guaranteed and that it creates sustainable value for its shareholders and stakeholder groups.
The Swiss Life Group is one of Europe’s leading comprehensive life and pensions and financial solutions providers. Swiss Life’s success is due to a clear strategy, the disciplined implementation of Group-wide programmes, a sound purpose and a charismatic brand.
Swiss Life addresses a fundamental need
With its commitment, advisory services and comprehensive life, pensions and investment solutions, Swiss Life enables people to lead a financially self-determined life. In doing so, the company builds financial confidence and addresses the fundamental human need for self-determination and independence. Results of market research carried out by Swiss Life confirm this, showing that being able to lead a self-determined life and decide freely leads to greater satisfaction and confidence.
The results also show that most people are aware that when it comes to pension provision, they are largely responsible for their own financial security.
Financial self-determination is a fundamental need
The 2024 self-determination barometer shows that financial self-determination is a fundamental need for people in Switzerland. Almost half of those surveyed say they are currently financially self-determined.
Demographics make pension provision a growth market
The impact of an increasingly ageing population coupled with high levels of debt in the pension systems of many countries is generally underestimated. Consequently, pension and insurance shortfalls are on the rise worldwide. As a result, people have to take more responsibility for their own pension-related provisions.
Pension solutions and advice are therefore a growth market. People depend on support and advice to address pension gaps and risks in a self-determined manner. In this environment, Swiss Life’s work, advice and products will continue to grow in importance. Swiss Life therefore sees growth opportunities and differentiation potential in the market for pension solutions and advice.
Unique market position
The company’s unique positioning is fundamental to its further development: Swiss Life has a strong foothold as a provider of pension solutions in attractive European markets. The expertise of some 17 000 advisors distinguishes the company from its competitors. In recent years, Swiss Life has emphatically demonstrated that it can achieve resilient returns and improve results despite a challenging backdrop and has adapted its product portfolio to the market environment.
In addition, Swiss Life Asset Managers provides Swiss Life with a fast-growing asset management business with particular strengths in the area of real assets. The result is a business model with multiple profit sources.
Swiss Life 2027
In December 2024, Swiss Life revealed its Group-wide programme, “Swiss Life 2027”. With it, Swiss Life is systematically continuing on its successful path of recent years and focusing on three strategic actions: expanding and deepening customer relationships, strengthening its advisory power and operational efficiency.
Under “Swiss Life 2027”, the company wants to target existing and new customer segments and thus expand its customer base. It also aims to deepen customer relationships by broadening its range of products and services. In addition, Swiss Life wants to further strengthen its advisory services, which are a key element of its offering, by expanding its advisory network and increasing investment in platforms to provide even better support for advisors. Furthermore, the company would like to improve operational efficiency by utilising technological innovation and automation. Swiss Life will also set itself sustainability goals for 2027. It will
focus on those areas in which the company can exert a direct influence and achieve an impact.
With its “Swiss Life 2027” Group-wide programme, Swiss Life is raising its financial ambitions further. The focus will be on improving earnings quality and earnings growth, with all divisions expected to make a significant contribution. Swiss Life wants to increase its fee result to over CHF 1 billion in 2027 (“Swiss Life 2024”: CHF 850–900 million) and to achieve an adjusted return on equity of 17–19% (“Swiss Life 2024”: 10–12%).
In addition, Swiss Life aims to achieve a cumulative cash remittance to the holding company of CHF 3.6–3.8 billion from 2025 to 2027 (“Swiss Life 2024”: CHF 2.8–3.0 billion) and a dividend payout ratio of over 75% from 2025 (“Swiss Life 2024”: over 60%). Its ambition is also to increase the dividend per share. In addition, a share buyback programme in the amount of CHF 750 million was launched in December 2024 and will run until the end of May 2026.
