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Advantages of Swiss Annuities and Life Insurances

Interest and dividend income are competitive and guaranteed by the Swiss insurance company, and government regulations protect investors in every possible way. In addition to the guaranteed contractual annuity, the policy participates in the surplus reported by the Swiss insurance company. Therefore it is very important that your policy is issued by a top insurance company with a consistent track record of surplus shares paid out.

Your personal annuity plan or life cover can be tailor-made to your individual needs. Also, besides annuities in Swiss Francs, the world's strongest currency, you can have them issued in Euro, British Pounds, and US Dollars.

Switzerland, the world's most stable country both politically and economically, also has the world's strongest insurance industry with a continuing history of success without failures for over 140 years.

Insurance companies in Switzerland do not report to any government - Swiss or foreign - if the policyholder is not resident in Switzerland. Thus neither the initial purchase of the policy, nor individual payments, nor interest or dividends earned, nor any other information will be reported - all transactions are kept strictly confidential.

Swiss annuities offer instant liquidity. All capital, plus all accumulated interest and dividends, are freely accessible. Depending on the type of annuity, only at an initial period of up to one year there is a minimal penalty in case of withdrawal. Therefore, if funds are needed quickly, they are available and not tied down for a fixed period of time. All Swiss banks will accept Swiss life insurance policies as collateral.

Swiss annuities are free from any tax; in particular, the 35% Swiss withholding tax on interest and dividens earned in Switzerland does not apply.

If structured properly, insurance policies cannot be seized by creditors nor can they be included in a Swiss (or foreign) bankruptcy procedure. This is enacted in the Swiss Federal Act on Insurance Contracts. Swiss annuities are therefore a perfect asset protection tool which can be tailor-made to your individual needs.

Switzerland has probably the world's most efficient banking and insurance system, and the transfer of funds is very easy and unrestricted.

Swiss annuities are on a no-load basis, so there are no additional charges or costs and the investment can be cancelled at any time without loss of principal or accumulated interest and dividends.

Swiss insurance policies would escape any forced repatriation under future imposed exchange controls, because they are regarded as a pending contract between the investor and the insurance company.

Swiss fixed annuities can be legally purchased by US persons, and they can be placed in US tax-sheltered pension plans such as IRA or corporate plans, or such a plan can be rolled over into a Swiss annuity.