Build wealth.
Your way.

Fund-linked insurance from Liechtenstein: build your wealth tax-neutrally through the accumulation phase. Choose your funds freely, manage everything in the app.

Explore solutions
Smiling woman with a smartphone – forward-looking provision with Liechtenstein Life
131,220active fund-linked policies
€1.6 bnassets under management
500+funds & ETFs

Freely invested, well protected.

In a fund-linked policy you switch funds without Abgeltungsteuer, name your beneficiaries freely and add as much cover as you need.

Woman with a smartphone, beside the fund categories equities, bonds, commodities and sustainabilityAI-generated image
Free fund selection.Over 500 funds and ETFs from providers like iShares, Vanguard, UBS or Pictet. Switch up to twelve times a year, free of charge.
App view of the cover section, showing maturity benefit, lifelong annuity and death benefit
Investment and risk protection.You use the opportunities of the capital markets and cover yourself at the same time. Death, occupational disability, guarantees: what is fixed in the policy and what you choose depends on the product.
Vaduz Castle above wooded slopes – Liechtenstein, home of Liechtenstein Life Assurance AG
Working in Germany, supervised in Liechtenstein.A Liechtenstein insurer working for you in Germany. Liechtenstein is among the most stable financial centres in Europe.
Woman with glasses at a laptop in an office – personal guidance for your pension policyAI-modified image
Personal contact.The person who knows your policy is a message away – no queue, no ticket.

What our customers say

Written by people who plan their future with us, right in our app. A selection, shared with their permission.

  • Rating: 10 out of 10
    What I like most is the transparency and the well-organised app: I can see all my payments and how my investment is doing right now. I also got good advice, and there is always someone to talk to. Keep it up!!!

    Translated from German.

    Jan S.Contract holder for 5 years
  • Rating: 10 out of 10
    The efficiency and speed of the service are a real plus

    Translated from French.

    Vivien C. E. G.Contract holder for 3 years
  • Rating: 10 out of 10
    A great overview, every day. The analyses are really clear, and you genuinely look forward to checking in daily to see how your investment is doing.

    Translated from German.

    Jean-Baptiste C. C.Contract holder for 6 years

Average 7.5 out of 10 for our app, from 973 responses to our yearly survey of customers in their second contract year or later, as of October 2026.

Your goal decides the combination.

Provided for in retirement, family protected, wealth passed on: that usually takes more than one solution. Which ones, you work out in conversation.

Compare all solutions
Funded basis

AltersvorsorgedepotComing soon

The Riester successor. Freely combinable with Invest, Pension and Wealth. Funded contributions up to €1,800/year, basic allowance up to €540/year.

Wealth building

Liechtenstein Life Invest

Invest in funds and grow tax-efficiently, with no annual capital-gains tax or advance lump-sum tax during the accumulation phase.

Basisrente (Rürup)

Liechtenstein Life Pension

Deduct contributions from tax and secure a lifelong annuity for reliable income in retirement.

Wealth & succession

Liechtenstein Life Wealth

Invest capital with tax advantages, freely determine beneficiaries and pass on wealth outside the estate.

Pension provision

Prosperity Plus

Provide flexibly for later, draw part of the pension early if you need to, and protect the people close to you.

Your wealth, in your hands at any time.

See where you stand.

Current value, return and history since day one are there whenever you want them, instead of once a year.

Stay on course.

Your goals change, and your investment should be able to as well. You see allocation and performance per fund at any time.

Save the way that suits you.

You choose your contribution. You pause, reduce or increase it, and you can top up at any time.

Ready if the worst happens.

You include your loved ones and they see how the policy develops. If the worst happens, everything that matters is in one place instead of spread across folders and inboxes.

Discover the app & portal
Person holding a smartphone with the Liechtenstein Life app – portfolio performance at a glanceAI-modified image

How safe is my money in the Liechtenstein financial centre?

Independent supervisionYour insurer is checked continuously, from capital and technical provisions to how it invests and how it is run. The independent Financial Market Authority Liechtenstein (FMA) is responsible, applying the same EEA standards BaFin applies in Germany.
Your fund assets stay separateUnder Liechtenstein law your fund assets are segregated assets, legally attributed to you and held separately from the insurer's own assets.
A stable baseDebt-free and rated AAA by S&P. As a non-EU state, Liechtenstein is not liable for other states' debt. That keeps the legal framework your policy rests on dependable.

Find out what is possible for your wealth.

A first conversation costs nothing and commits you to nothing. Intermediaries from our network go through your situation with you, by phone or in person.

Wealth is not a number. Wealth is when the next step in life takes nothing but courage.

Dr. Aron Veress, CEO

From first conversation to a fund-linked policy.

1
Have a conversationClarify your needs with an intermediary. No intermediary yet? Arrange a non-binding first conversation.
2
Take out the policySign digitally. No paperwork. With personal guidance.
3
Manage it in the appManage your contract, track performance and adjust your fund strategy.
Getting started with Liechtenstein Life – in three steps to a fund-linked policyAI-generated image

Frequently asked questions about Liechtenstein Life.

Under Liechtenstein law your fund assets are segregated assets, legally attributed to you and held separately from the insurer's own assets. Insurers in Liechtenstein are supervised by the Financial Market Authority Liechtenstein (FMA) and subject to the Solvency II requirements. How well an insurer meets that requirement is shown by its solvency ratio. At 31 December 2025 Liechtenstein Life's stood at 286%, close to three times the 100% required (Solvency and Financial Condition Report).

At state level, Liechtenstein is among the most stable financial centres in Europe: AAA-rated, debt-free and an EEA member with EU-compliant supervisory standards.

An insurer based in Liechtenstein, founded in 2008 and part of The Prosperity Company AG group. Today we hold 131,220 active fund-linked policies and manage €1.6 bn. Our solutions are fund-linked only: you choose from over 500 funds and ETFs and switch up to twelve times a year free of charge, depending on the product, with no Abgeltungsteuer. You keep an eye on fund performance in the app, and intermediaries from our network look after you. More about the company on the about-us page.

A first conversation is usually free and commits you to nothing. If you are already speaking to an intermediary, have it there and settle everything else in the same conversation. If you do not have one yet, arrange it directly on this page and we will put you in touch with someone from our network, by phone or in person. In the conversation you go through your situation together and work out which solution fits. Only then do you decide whether to take out an insurance contract.

Note: This presentation is for general information purposes only and does not constitute investment, tax or legal advice. All products shown are fund-linked – the value of fund investments can rise or fall, a capital loss is possible. The tax treatment requires the statutory conditions to be met (in particular a 12-year minimum term and payout from age 62, § 20 (1) no. 6 EStG). Product costs and restrictions on early withdrawal can affect performance. Individual tax questions should be discussed with a licensed tax or investment advisor.