Your wealth.
Your vision.
Your advantages.
A tax-efficient fund-linked policy from Liechtenstein — with full control over investment strategy and beneficiary nomination, for wealth building, succession and family protection.
Wealth protection, financial planning and succession in a single policy.
Liechtenstein Life Wealth combines the three dimensions of long-term wealth planning into one fund-linked solution, on a solid Liechtenstein foundation.
- Stable wealth accumulation
- Cross-generational protection of family assets
- Tax efficiency
- Flexible allocation
- Fund-based asset management
- Individualised transfer of assets
- Freely selectable beneficiary without rigid contract structures
All benefits at a glance.
- Individual portfolio composition thanks to a broad fund range
- Partial withdrawals possible at policy inception or during the term
- Tax-efficient payouts with optimal planning
- Guaranteed death benefit of up to 200 % of premiums paid
- Guarantee option for survival
- Free beneficiary nomination
- Fund shift (rebalancing existing capital) and fund switch (strategy change) up to 12× per year, fee-free
- Optional rebalancing to automatically restore your target allocation
Three steps to your Wealth policy.
Foresight that pays off.
Over decades, long-term investments in global capital markets have protected wealth against inflation and generated returns, for retirement and for the next generation, flexibly and independently of any single economic cycle. The value of your investment may fluctuate; past performance is not an indicator of future results.
Our clients expect comprehensive wealth management, targeted wealth building and efficient estate planning.
Gordon Diehr, Managing Director, Prosperity Solutions AG
Frequently asked questions.
Liechtenstein Life Wealth is a fund-linked life insurance policy in free pension provision. It combines the return potential of capital markets with the structural advantages of an insurance policy:
- Planned payouts with beneficiary nomination (freely selectable for survival and death)
- Optional death benefit up to 200 % of premiums paid
- Legally protected segregated assets (separated from Liechtenstein Life's own assets)
- Tax-free payouts with optimal planning
- Optional rebalancing to automatically restore your asset allocation
- Fund flexibility: up to 12 fee-free shifts or switches per year
Important: insurance policies carry acquisition and administration fees. The value of your investment may fluctuate and can fall below the premiums paid.
You freely decide who receives the payout in the event of survival or death, and you can change this nomination at any time (unless you agree to an irrevocable beneficiary nomination). The assets flow directly to the nominated person. Inheritance treatment follows Swiss inheritance law — forced-heirship claims remain unaffected where applicable.
Wealth planning across generations requires a reliable framework. Your invested assets are held as segregated assets, protected as a separate estate in the event of the insurer's bankruptcy. Insurers in Liechtenstein are supervised by the Financial Market Authority (FMA). At country level, Liechtenstein is AAA-rated, debt-free and an EEA member with EU-compatible supervisory and transparency standards.
There is no guarantee fund; the policyholder bears the investment and market risk. The value of your investment may fluctuate.
You invest in up to ten funds in parallel. Fund shift and fund switch are free of charge up to twelve times per year; additional transactions cost CHF 20 each. On request, rebalancing handles ongoing adjustments to your target allocation, at no charge.
Liechtenstein Life Wealth offers a Premium Guarantee Select for survival (50 %, 80 % or 100 % of the guaranteed capital) and a death benefit of up to 200 % of premiums paid. This combines market participation with clearly defined protection. With the premium guarantee, parts of the portfolio are invested conservatively while you stay flexible with the remainder.
Liechtenstein Life Wealth is designed for investors who want to build wealth, optimise taxes and plan succession on their own terms. The product is particularly suitable if you want to invest beyond the Pillar 3a annual maximum or prefer flexible succession planning with insurance cover. A personal conversation with an intermediary will show whether the policy fits your wealth planning.
Costs consist of the policy's administration fees and the fund costs (TER) of the funds you select. The exact cost structure depends on the chosen configuration: guarantee options, investment amount and term. You'll receive a full overview during the consultation or in the policy documents.
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