Despite a particularly difficult economic environment, Swiss Life was able to offer a net return of 3.60% on its Swiss Guarantee investment vehicle for 2008. With its asset management approach based on a long-term outlook, Swiss Life enables its clients to prepare for their retirement with complete peace of mind.
To guarantee a supplementary pension, Swiss Life offers its corporate clients and their affiliates a diversified range of investment funds and two guaranteed capital investment vehicles, Swiss Guarantee and Swiss Dynamic Protection, both of which proved their worth in 2008.
Demonstrating the distinctive nature of the Swiss Guarantee formula, which blends performance with security, Swiss Life can confirm a 2008 net return in euro of 3.60% on savings in its guaranteed rate vehicle. Given the extremely volatile financial climate, this attractive return highlights the strength of an investment policy that is at one and the same time dynamic and based on a long-term strategy.

As for Swiss Dynamic Protection, the Swiss Life investment vehicle that guarantees the invested contributions and allocated share of profits, the net return in euro for 2008 is 2.80%. Bearing in mind the current environment, this is an encouraging figure which must of course be considered from a long-term perspective and in terms of the performances of other players on this market.

The net returns achieved in 2008 reaffirm Swiss Life’s position as a key player on the market providing solutions to both companies and their employees.

Note: The rates of return indicated above are subject to the approval of the general meeting of Swiss Life (Luxembourg) S.A. These rates testify to the quality and cautious nature of our investment strategy. They are not, however, a guarantee of future rates of return.


Swiss Life
T +352 42 39 59-1

Swiss Life in Luxembourg
Swiss Life has been active in Luxembourg since 1985. Three business areas are now developed from the Grand-Duchy: employee benefits solutions for corporate clients, private placement life insurance, and variable annuities.
Swiss Life is the local group insurance market leader. It is also the Group's unique competence centre for pension corporate solutions for expatriates. Since 2008, Swiss Life Network and the Luxembourg group's insurance business have been combined into one cross-border unit. Its objective is to provide top quality employee benefit solutions (risk and pension) worldwide for large corporations and multinational companies.
In private placement life insurance, the company is focused on marketing life insurance products to high net worth individuals. This business line is now developed from a supranational structure, enabling Swiss Life to offer private placement life insurance internationally from Luxembourg, Lichtenstein, Singapore and Dubai.
Also in Luxembourg, Swiss Life has created its pan-European development and management platform for variable annuities.

The Swiss Life Group is one of Europe's leading providers of life insurance and pension solutions. In Switzerland, France and Germany, the Group offers individuals and corporations comprehensive advice and a broad range of products through its own sales force as well as brokers and banks. Swiss Life provides international corporations with employee benefits solutions from a single source, and is one of the global leaders in structured life and pension products for international high net worth individuals.
Swiss Life is the majority shareholder of the Hanover-based AWD Group, one of Europe's top financial services providers for the medium- and high-income customer segments. AWD offers its clients independent financial advisory services. Around 6300 advisors and intermediaries work for the AWD Group in ten European countries.
Swiss Life Holding Ltd, registered in Zurich, was founded in 1857 as Schweizerische Rentenanstalt. The shares of Swiss Life Holding Ltd are listed on the SIX Swiss Exchange (SLHN). The Swiss Life Group employs a staff of around 9000.