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Swiss Life accompanies and advises its customers throughout their life. With individual pension and financial advice for private and corporate customers as well as proven investment expertise for institutional investors, we enable people to lead a self-determined life.


At the end of November 2018 Swiss Life presented its Group-wide programme, "Swiss Life 2021". It is based on our purpose: we enable people to lead a self-determined life. Swiss Life concentrates on four strategic directions for the programme: its focus on preferred segments, the promotion of attractive offers, the steady improvement of customer relations and the continuing increase of productivity.

Taking control of one’s own life is a basic human need. By assuming risks for those we insure, we afford them financial confidence, and thus greater autonomy in their decisions. This is the origin of our mandate at Swiss Life: we enable people to lead a self-determined life.

Four strategic directions

Under the aegis of “Swiss Life 2021” we concentrate on four strategic directions. We step up our efforts in preferred segments, set greater store by even better offers in product development and in our services, aim to significantly enhance our customer interface and continue to increase productivity.


The “Swiss Life 2021” Group-wide programme is based on the successes of the last roughly ten years. We again significantly increased profitability and earnings quality with the current Group-wide programme, “Swiss Life 2018”. At the same time, financial strength improved as measured by the Swiss Solvency Test while dividends increased.

Financial objectives until 2021

Swiss Life focuses on continuity in its financial objectives: earnings growth and quality, operational efficiency and disciplined capital management are the leading topics. Overall, Swiss Life is striving for an adjusted return on equity of 8 to 10 percent.

Increased earnings quality: increasing the fee result remains central

  • Marked increase in the fee result, from CHF 600 to 650 million by the end of 2021
  • Generation of a risk result of CHF 400 to 450 million
  • Increase of cumulative value of new business to over CHF 1.2 billion

Operational efficiency: digitalisation supports advisory model

  • Improvement of the efficiency ratio in the life business to under 40 basis points
  • In its owned IFAs, a distribution operating expense ratio below 25 percent
  • Cost/income ratio in the investment business for third-party customers of 75 percent

Capital strength: capital management remains a key competence

  • SST ratio between 140 and 190 percent
  • Increase in cash remittance to the holding company to a total of 2 to 2.25 billion over the next three years
  • Increase in dividend payout ratio for the shareholders to 50 to 60 percent of profit
  • From December 2018 to December 2019, the Group will implement a share buyback programme of 1 billion