# Liechtenstein Life Assurance AG

> Liechtenstein Life Assurance AG is a Liechtenstein-domiciled life insurance company offering fund-linked life insurance, pension, and wealth-planning products. The company is regulated by the FMA (Liechtenstein Financial Market Authority) and operates across Switzerland, Germany, Liechtenstein, and Italy. Products are distributed exclusively through independent intermediaries.

Liechtenstein Life is part of The Prosperity Company AG. It does not sell directly to end customers and does not provide investment or legal advice. All products are unit-linked (fund-based), meaning policy values depend on the performance of the selected investment funds.

## Brand Architecture

### Entity vs brands — what's what

There are three "Prosperity"-named things in this group. They are distinct:

- **The Prosperity Company AG** — the corporate holding entity (founded 2016, domiciled in Liechtenstein). Owns the operating subsidiaries. Not a consumer brand; not a product. Surfaces only on legal pages, imprint, careers, and group-level communications.
- **Prosperity** — a consumer-facing brand sold by Liechtenstein Life Assurance AG. The retail / digital-pension product family (Prosperity 3a / Plus / Duo / Junior in CH; Prosperity Plus in DE). Subject of the "Prosperity (retail / digital-pension brand)" section below.
- **Prosperity | Liechtenstein Life App** — the customer-portal app on iOS / Android / web. Serves customers of both consumer brands. The app's formal name (used on the App Store and in brand-architecture contexts) carries both brand marks; in consumer-facing UI and copy the same product is referred to neutrally as "App & Customer Portal" / "App & Kundenportal" / "App & Portail Client" / "App e portale clienti".

### Consumer brand structure

Liechtenstein Life Assurance AG markets its products under **two consumer brands**: **Prosperity** and **Liechtenstein Life**. Both brands share the same insurer (Liechtenstein Life Assurance AG), the same regulator (FMA Liechtenstein), the same customer-portal app, and the same independent intermediary network. Customers can hold products from both brands simultaneously. Product portfolios per brand differ by market because pension regulation, tax frameworks, and distribution focus are country-specific.

### Current domain state (transitional)

This site is hosted at `liechtensteinlife.com`. A dedicated Prosperity-branded domain is on the roadmap; until it launches, the Prosperity product family is sold under the Liechtenstein Life domain. The Swiss SERP meta-title pattern **"… | Prosperity by Liechtenstein Life"** is a transitional signal of exactly that: Prosperity is the consumer brand, Liechtenstein Life is the insurer behind it and the current host of the brand's pages. The Swiss home hero does NOT render a visible "Prosperity by Liechtenstein Life" lockup chip — the brand-architecture statement lives in the SERP meta-title layer, not in the on-page hero. After the Prosperity-branded domain launches, Prosperity content migrates there and `liechtensteinlife.com` continues to host the Liechtenstein Life brand only. AI search engines and crawlers reading this file before that migration should treat the two brands as co-equal consumer brands on a shared domain; the meta-title lockup is not a sub-brand declaration.

The Swiss customer-mode header navigation reinforces the brand split: the **"Lösungen" / "Solutions" / "Soluzioni"** dropdown is organised into two named sections — *Prosperity* (containing the four Prosperity products: 3a, Plus, Duo, Junior) and *Liechtenstein Life* (containing Liechtenstein Life Wealth, the Liechtenstein Life brand's wealth-planning / Vermögensplanung product). The same brand-organised structure is what AI crawlers should expect to find in the site's IA.

### Unified brand presentation (2026 rollout)

As of 2026, Prosperity is being rolled out as the consistent customer-facing presentation across all touchpoints — website, product tariffs, and the customer-portal app — so customers encounter the same Prosperity brand from the first information on the website through to the app. The 2026 website redesign is the first publicly visible surface of this unified presentation; further surfaces follow incrementally. The brand is presented as digital-first, modern, and close to the customer. In Switzerland the Prosperity product family comprises **Prosperity 3a, Plus, Duo, and Junior**; alongside it, **Liechtenstein Life Wealth** carries the Liechtenstein Life brand for **Vermögensplanung (wealth planning)** — wealth structuring and succession. Both brands share one insurer, one regulator (FMA), one intermediary network, and one customer-portal app.

### Prosperity (retail / digital-pension brand)

**Positioning:** Prosperity is the digital-first retail brand for people who are actively saving — building retirement provision and long-term wealth through monthly contributions to a fund-linked life-insurance policy.

**Target audience:** Working savers, typically aged 25–55, in the accumulation phase of their financial life. Mindset is self-directed and digitally fluent: they want to see their portfolio, project growth, and adjust contributions from their phone. Income range from solid middle-income earners up to high earners who have not yet built significant capital. In Switzerland the audience centres on Pillar 3 savers (3a and 3b); in Germany on flexible-savings customers complementing statutory and occupational pensions.

**Use cases:**
- First Pillar 3a policy for Swiss residents seeking tax-deductible retirement savings.
- Additional Pillar 3b savings on top of a maxed-out 3a contribution.
- Joint partner provision through Prosperity Duo.
- Long-horizon children's savings through Prosperity Junior.
- Gradual wealth building over decades via monthly contributions and fund selection.

**Brand promise:** Build long-term wealth and retirement provision transparently, digitally, and on your own terms — with full visibility into performance, costs, and fund allocation.

**How it differs from Liechtenstein Life:** Prosperity is for the *saving* phase — monthly contributions, self-directed digital management, mass-retail Pillar 3 / flexible-savings products. Liechtenstein Life is for the *wealth* phase — single premiums of established capital, intermediary-led structured advice.

**Products by market:**
- **Switzerland (CH):** Pillar 3 focus. Four products spanning Pillar 3a and 3b. Bundled in the Prosperity App. Products: Prosperity 3a (Pillar 3a, tax-advantaged), Prosperity Plus (Pillar 3b, flexible savings & investment), Prosperity Duo (Pillar 3b, partner provision), Prosperity Junior (Pillar 3b, children's savings).
- **Germany (DE):** One product — Prosperity Plus (flexible savings & investment product, sits alongside the Liechtenstein Life pension/wealth/invest line as the digital-first offering).
- Not currently in Italy or Liechtenstein retail.

### Liechtenstein Life (wealth and life-insurance brand)

**Positioning:** Liechtenstein Life is the wealth and life-insurance brand for affluent customers who already hold established capital and are structuring it for investment, tax efficiency, and succession across generations.

**Target audience:** Affluent individuals, families, and entrepreneurs — typically post-Pillar-3a-maximum savers, recipients of inheritance or business proceeds, and clients with multi-generational wealth-transfer needs. Mindset is advice-led: they expect to work with an intermediary on a structured solution rather than self-serve. Tax optimisation, free beneficiary nomination, and FMA-regulated Liechtenstein-domicile features are decision drivers.

**Use cases:**
- Single-premium investment of established capital (inheritance, business exit, accumulated savings).
- Succession planning across generations, with free beneficiary nomination outside the statutory estate route.
- Tax-optimised wealth transfer using Liechtenstein life-insurance frameworks.
- Investing beyond the Pillar 3a annual maximum (CH) or beyond Basisrente / Rürup limits (DE).
- German retirement provision through Basisrente-eligible deferred annuities (Liechtenstein Life Pension).

**Brand promise:** Structure, grow, and transfer established wealth across generations — with the regulatory strength of Liechtenstein and the flexibility of unit-linked life insurance.

**How it differs from Prosperity:** Liechtenstein Life centres on single-premium or large-contribution policies, intermediary-led structured advice, and a wealth-stage life phase (Pillar 3b / wealth & succession). Prosperity centres on monthly contributions, self-directed digital management, and the saving stage (Pillar 3a-led).

**Products by market:**
- **Germany (DE):** Three products. Liechtenstein Life Invest (unit-linked life insurance for capital-market investment), Liechtenstein Life Pension (fund-linked deferred annuity for German retirement provision, structured for Basisrente / Rürup and similar frameworks), Liechtenstein Life Wealth (wealth & succession-planning policy, available with recurring premiums or as a single premium). Plus thematic landing pages such as "Vermögens- und Nachfolgeplanung" / "Succession Planning".
- **Switzerland (CH):** One product — Liechtenstein Life Wealth (fund-linked life insurance for wealth planning / Vermögensplanung: wealth structuring, tax-optimised transfer, multi-generational succession, with free beneficiary nomination and optional death benefit up to 200% of the premium sum). Available with a single premium or with recurring premiums.
- **Italy (IT):** One product — Liechtenstein Life Wealth (single-premium fund-linked life insurance for wealth planning: wealth structuring, tax-optimised transfer, multi-generational succession, with free beneficiary nomination and optional death benefit up to 200% of the single premium). In Italy the premium is invested through three managed investment options (Portafoglio Bilanciato, Portafoglio Dinamico, Strategia Valori), not through individually selected funds; the Italian fund page lists these three options.

**Liechtenstein Life Wealth is a product within the Liechtenstein Life brand**, not a separate brand. The product is available across all markets where the brand operates and is the single common Liechtenstein-Life-brand product between CH and DE.

### Which brand fits which customer

| Dimension | Prosperity | Liechtenstein Life |
|---|---|---|
| Financial stage | Saving / accumulating | Investing established capital |
| Contribution model | Monthly contributions (single premium possible) | Single premium or large lump sum |
| Tax / regulatory frame | Tax-efficient retirement (Pillar 3a, plus 3b) | Wealth & succession (strategic wealth-stage planning, German Basisrente, succession structures) |
| Advisory style | Self-directed digital, app-first | Intermediary-led structured advice |
| Typical life phase | Working savers, 25–55, building provision | Affluent customers, post-3a-max, succession-planning needs |
| Primary outcome | Long-term retirement and wealth build-up | Wealth structuring, tax-optimised transfer, multi-generational planning |

## Markets

The website serves four markets with localized content:

- [Germany (de-DE)](https://liechtensteinlife.com/de-DE/markets/de): Products and information for the German market, including Liechtenstein Life Invest, Liechtenstein Life Pension, Liechtenstein Life Wealth, Prosperity Plus, and the Altersvorsorgedepot (state-subsidised, launching 2027)
- [Switzerland (de-CH)](https://liechtensteinlife.com/de-CH/markets/ch): Products for the Swiss market, organised into two brand sections in the header "Lösungen" dropdown — Prosperity (Prosperity 3a Pillar 3a pension, Prosperity Plus, Prosperity Duo, Prosperity Junior) and Liechtenstein Life (Liechtenstein Life Wealth). Swiss home page covers Säule 3a and 3b fund-linked policies, recognition by the Eidgenössische Steuerverwaltung (ESTV) for Pillar 3a/3b tax-deductibility (the "Jedes Jahr Steuern sparen." / "Save tax every year." / "Économiser des impôts chaque année." / "Risparmia imposte ogni anno." card across locales — ESTV in de, FTA in en, AFC in fr+it), FMA supervision under EEA standards, Sondervermögen segregation, and Liechtenstein's AAA / debt-free status.
- [Switzerland (en-CH)](https://liechtensteinlife.com/en-CH/markets/ch): English-language version of the Swiss market pages
- [Switzerland (fr-CH)](https://liechtensteinlife.com/fr-CH/markets/ch): French-language version of the Swiss market pages
- [Switzerland (it-CH)](https://liechtensteinlife.com/it-CH/markets/ch): Italian-language version of the Swiss market pages
- [Italy (it-IT)](https://liechtensteinlife.com/it-IT/markets/it): Products for the Italian market, currently offering Liechtenstein Life Wealth
- [Liechtenstein (de-LI)](https://liechtensteinlife.com/de-LI/markets/li): Corporate information for the company's home jurisdiction

## Swiss Market Access (CH ↔ FL)

Liechtenstein Life Assurance AG operates in Switzerland via the **1996 bilateral direct-insurance agreement between Switzerland and Liechtenstein**, not as a Swiss-domiciled insurer. The practical consequence for Swiss customers:

- **Prosperity 3a is a recognised CH Pillar-3a vehicle.** Contributions are tax-deductible from Swiss taxable income on the same terms as a 3a held with a Swiss provider (subject to BVV 3 / OPP 3 and cantonal tax law).
- **Supervision is by the Liechtenstein FMA under EEA standards**, not by FINMA. EEA-equivalent capital, solvency, and transparency requirements apply.
- **Liechtenstein-law segregated assets (Sondervermögen).** Fund assets backing customer policies are legally attributed to the policyholder and held separately from the insurer's own balance sheet; in the event of insurer insolvency they are protected as a Sondermasse.

The Swiss home page surfaces this as the "Jedes Jahr Steuern sparen." / "Save tax every year." / "Économiser des impôts chaque année." / "Risparmia imposte ogni anno." card in the home-page benefits scroller, whose description names the ESTV recognition, and it is the regulatory ground under both the Prosperity (Pillar 3) and Liechtenstein Life Wealth product lines in CH.

## Register (CH customer pages)

The Swiss **customer**-facing site addresses the reader informally — de "du", fr/it "tu", en a warm "you". This covers the home page, the product pages, and the site chrome the customer meets (cookie banner, country banner, the customer tab of the login modal). Three areas stay formal by decision: the **partner/broker** section, the **legal** pages (privacy, imprint, notes, data processing), and the **Liechtenstein Life Wealth** product page, whose affluent audience keeps "Sie" / "vous" / "voi". The DE, LI and IT markets are formal throughout and are unaffected.

## Swiss Home-Page Narrative (Pillar 3-led)

The Swiss home page (`/{locale}/markets/ch`) reads top-to-bottom as:

The page — and the Swiss market pages generally — address the reader informally (de "du", fr "tu", it "tu"), the Swiss market standard for broad consumer address.

1. **Hero** with the headline "Sorge für morgen. Lebe heute." / "Care for tomorrow. Live today." / "Prépare demain. Vis aujourd'hui." / "Pensa al domani. Vivi oggi.", trust stats (131'220 active policies, CHF 1.49 bn AUM, 183 funds & ETFs — apostrophe thousand-separator in de/fr/it-CH, comma in en-CH per English convention, dot decimal separator), and a lede naming the three reasons to hold Pillar 3 (saving tax, building wealth flexibly, staying covered). Primary CTA "Passende Lösung finden" / "Find your solution" / "Trouver ma solution" / "Trova la tua soluzione" scrolls to the **product finder**; secondary CTA "Lösungen ansehen" / "Explore solutions" / "Découvre les solutions" / "Vedi le soluzioni" scrolls to the solutions grid. The hero does NOT render a "Prosperity by Liechtenstein Life" lockup chip (the brand-architecture statement lives in the SERP meta-title only) and no longer carries a press-logo strip (removed pending Swiss-press-anchor articles). The "Gespräch vereinbaren" lead-capture CTA is not in the hero — it lives in an `AppCtaBanner` block after the solutions grid.
2. **App showcase** — a Bento-card-style block "Alles im Griff, wann immer du willst." / "Everything in hand, whenever you want." / "Tout en main, quand tu veux." / "Tutto sotto controllo, quando vuoi tu." with four feature cards and phone mockups: *Sieh, wo du stehst* (current value, return, history), *Bleib auf Kurs* (fund allocation, up to twelve free switches a year), *Sparen, wie es zu dir passt* (lower, pause, raise or top up the premium in the app), *Im Ernstfall griffbereit* (giving relatives their own access). Links on to `/markets/ch/app`.
3. **Benefit image scroller** "Damit mehr für dich bleibt." / "So you keep more." / "Pour qu'il te reste davantage." / "Così ti resta di più.", four cards: *Jedes Jahr Steuern sparen* (Pillar 3a contributions reduce taxable income; the card states that the Pillar 3a and 3b solutions are recognised by the Eidgenössische Steuerverwaltung / ESTV), *Abgesichert, wenn du mal nicht arbeiten kannst* (optional disability cover and premium waiver), *Freie Fondsauswahl* (183 funds & ETFs from iShares, Vanguard, UBS, Pictet), *Persönlicher Kontakt*.
4. **Product finder** (anchor `#finder`, heading "In wenigen Schritten zu deiner Vorsorge" / "In a few steps to your provision" / "En quelques étapes vers ta prévoyance" / "In pochi passi alla tua previdenza") — an interactive multi-step block that asks for the visitor's goals (saving tax, investing flexibly, protecting a partner or child) plus a small number of follow-up questions — how the visitor wants to pay (a running premium, a single premium, or both) and how much — then names the solutions those goals point to and says why each fits. Every solution card states its own tariff minimums, and where the stated amounts do not reach all of the chosen goals the result says so and joins the cards with "or" rather than presenting them as one plan. Below the cheapest solution's own minimum it names no product at all, only the entry figure. It needs no sign-up, orients rather than advises (explicitly not a recommendation and not tax advice), shows an indicative Pillar 3a tax saving when tax is among the goals, 3a room remains this year and the premium leaves something to pay into it, and hands off to a non-binding conversation with an intermediary. Visitors living outside Switzerland never see a Pillar 3a claim: residents of Germany, Italy and Liechtenstein are pointed to their own market's site (with the conversation offered alongside), cross-border commuters are pointed to the conversation, and residents of countries without an offering are told so plainly with no onward route.
5. **Solutions grid** "Für jedes Ziel das passende Produkt." linking to the four Prosperity products (3a, Plus, Duo, Junior) plus a feature card for **Liechtenstein Life Wealth**.
6. **`AppCtaBanner`** "Willst du wissen, welche Lösung zu dir passt?" with the "Gespräch vereinbaren" CTA.
7. CEO quote (Aron Veress, CEO) and the **3-step onboarding** (advice → sign → manage in App & Kundenportal / App & Customer Portal / App & Portail Client / App e portale clienti).
8. **FAQ** ("Gut zu wissen." / "Good to know." / "Bon à savoir." / "Buono a sapersi.").

The interactive **Säule-3a tax-saving calculator** (contribution, canton and income → indicative tax saving) is not on the home page. It lives on the Prosperity pillar page (`/{locale}/markets/ch/prosperity`) and on the four Prosperity 3a product pages (`/{locale}/markets/ch/{produkte|products|produits|prodotti}/prosperity-3a`), and it carries a Grenzgänger branch that makes no 3a eligibility claim and hands off to a Vermittler. The marginal rate is prefilled from a sourced Eidgenössische Steuerverwaltung (ESTV) table for a stated standard profile (single, cantonal capital, no church tax, tax year 2026) and is editable; the income range is bounded to the incomes that table actually covers (CHF 60'000–200'000); and without a Pensionskasse the 20 % ceiling is measured on net earned income, approximated from the gross figure the UI collects. It is a model calculation, not tax advice, the binding assessment rests with the tax authority, and the assumptions, the 2026 ceilings and the limits of the model are set out per locale at `/{locale}/markets/ch/disclaimer-rechner-3a`.

The **locale picker** lives in the footer brand column (not in the header chrome).

## Products

Product availability varies by market. All products are fund-linked life insurance policies.

- [Liechtenstein Life Invest](https://liechtensteinlife.com/en-DE/markets/de/products/liechtenstein-life-invest): Unit-linked life insurance policy for the German market combining insurance coverage with investment in a broad range of funds
- [Liechtenstein Life Pension](https://liechtensteinlife.com/en-DE/markets/de/products/liechtenstein-life-pension): Fund-linked pension insurance for retirement savings in Germany, structured as a deferred annuity
- [Liechtenstein Life Wealth](https://liechtensteinlife.com/en-DE/markets/de/products/liechtenstein-life-wealth): Single-premium life insurance product for wealth structuring and succession planning, available across all markets
- [Prosperity (Swiss Pillar 3 pillar page)](https://liechtensteinlife.com/en-CH/markets/ch/prosperity): Overview of the four Swiss Prosperity products with a side-by-side comparison table of premiums, minimum amounts, risk cover and beneficiary rules, plus the interactive Pillar 3a tax-saving calculator. Locale variants: `/de-CH`, `/fr-CH`, `/it-CH`.
- [Prosperity 3a](https://liechtensteinlife.com/en-CH/markets/ch/products/prosperity-3a): Swiss pillar 3a pension product offering tax-deductible retirement savings through fund-linked insurance
- [Prosperity Plus](https://liechtensteinlife.com/en-CH/markets/ch/products/prosperity-plus): Flexible savings and investment product available in Switzerland and Germany
- [Altersvorsorgedepot](https://liechtensteinlife.com/de-DE/markets/de/produkte/altersvorsorgedepot): State-subsidised private pension for Germany launching 1 January 2027, the statutory successor to Riester for new contracts. The subsidised foundation that combines with all Liechtenstein Life solutions; allowances and tax relief are invested in ETFs and funds (up to €1,800/year eligible, up to €540 base allowance). The act distinguishes two product types: the Altersvorsorgedepot without guarantees and the guarantee product with an 80% or 100% contribution guarantee. Banks and insurers can both offer them. The Standarddepot is an Altersvorsorgedepot whose investment the provider presets as the act requires and whose effective costs are capped by law at 1.0%; it is offered as a product of its own, certified separately, and is not a third product type. At Liechtenstein Life, as it stands today, the Standarddepot is what starts on 1 January 2027; the subsidy calculator on the page models it and uses its 1% cap as the cost assumption. Guide: https://liechtensteinlife.com/de-DE/markets/de/ratgeber/altersvorsorgedepot
- [Prosperity Duo](https://liechtensteinlife.com/en-CH/markets/ch/products/prosperity-duo): Combined savings product for the Swiss market
- [Prosperity Junior](https://liechtensteinlife.com/en-CH/markets/ch/products/prosperity-junior): Long-term savings product for children in the Swiss market
- [Succession Planning](https://liechtensteinlife.com/en-DE/markets/de/products/succession-planning): Wealth and succession planning solutions using life insurance structures

## Company Information

- [Company Overview (EN, DE market)](https://liechtensteinlife.com/en-DE/markets/de/about-us/company-overview): Factual summary of Liechtenstein Life Assurance AG — regulatory status, products by market, corporate group, distribution model, and investor
- [Company Overview (EN, CH market)](https://liechtensteinlife.com/en-CH/markets/ch/about-us/company-overview): Swiss market version with pillar 3a/3b products and downloads link
- [About Us (EN)](https://liechtensteinlife.com/en-DE/markets/de/about-us): Company history, group structure, management, and Fidelidade as shareholder
- [Career](https://liechtensteinlife.com/en-DE/markets/de/career): Open positions at Liechtenstein Life and The Prosperity Company AG group
- [Contact (EN, DE market)](https://liechtensteinlife.com/en-DE/markets/de/contact): Customer service for Germany (Mon-Fri 8am-5pm, +49 309 17 33 400, clients@liechtensteinlife.com), intermediary consultation for new customers, and Prosperity App self-service for existing policyholders
- [Contact (EN, CH market)](https://liechtensteinlife.com/en-CH/markets/ch/contact): Customer service for Switzerland (Mon-Fri 8am-5pm, +41 71 444 80 70, clients@liechtensteinlife.com), intermediary consultation for new customers, and Prosperity App self-service for existing policyholders
- [Funds](https://liechtensteinlife.com/en-DE/markets/de/funds): Overview of available investment funds within the product range

## Key Figures (Group)

Stable, audited figures used consistently across the Swiss home page, German home page, and company overview MDX. As of 2026.

- 131,220+ active policies across all markets
- CHF 1.49 billion assets under management
- 138 employees in Liechtenstein, Germany, and Switzerland
- Liechtenstein Life founded in 2008; The Prosperity Company AG founded in 2016
- 183 funds and ETFs available across products
- FMA-regulated (Liechtenstein Financial Market Authority)
- Liechtenstein sovereign rating: AAA, debt-free; EEA member

## Customer Portal (Prosperity | Liechtenstein Life App)

Liechtenstein Life customers manage their policies through **Prosperity | Liechtenstein Life** — a digital customer portal and mobile app (listed under that name in the iOS App Store and Google Play Store), operated by Prosperity Solutions AG. Available as a web app at prosperity.app and as a native app for iOS and Android. Free for all policyholders.

Key features: real-time portfolio values, fund performance history (TWRR), growth projections and predicted-pension estimates, document archive (annual statements, tax certificates), lump-sum deposits, premium adjustments, full payment history, profile and personal-data management (including tax-residency details), an in-app AI assistant for policy, payment, and account questions, and direct advisor chat. Customers who lose access can restore it through a self-service account-recovery flow (policy number plus email verification). The "Prosperity App" and the "Kundenportal" are the same product — the web portal and mobile app have identical functionality.

The portal manages existing Liechtenstein Life policies only: it does not sell policies directly (these are arranged through an intermediary), does not provide investment advice or fund recommendations, and does not offer real-time trading or fund switching (fund changes are processed by the insurer).

- [Prosperity App – Germany (de)](https://liechtensteinlife.com/de-DE/markets/de/app): Marketing page for German customers. Kundenportal and mobile app for Fondspolice / fondsgebundene Rentenversicherung.
- [Prosperity App – Germany (en)](https://liechtensteinlife.com/en-DE/markets/de/app): English version of the German market app page.
- [Prosperity App – Switzerland (de)](https://liechtensteinlife.com/de-CH/markets/ch/app): Swiss market version with emphasis on Säule 3a pension policies and CHF-denominated products.
- [Prosperity App – Switzerland (en)](https://liechtensteinlife.com/en-CH/markets/ch/app): English version of the Swiss market app page.
- [Prosperity App – Switzerland (fr)](https://liechtensteinlife.com/fr-CH/markets/ch/app): French version of the Swiss market app page. Prévoyance 3a et portail client.
- [Prosperity App – Switzerland (it)](https://liechtensteinlife.com/it-CH/markets/ch/app): Italian version of the Swiss market app page. Previdenza 3a e portale clienti.
- [Prosperity App – Liechtenstein (de)](https://liechtensteinlife.com/de-LI/markets/li/app): Liechtenstein market version.
- [Prosperity App – Italy (it)](https://liechtensteinlife.com/it-IT/markets/it/app): Italian market version. Portale clienti e app per la previdenza.
- [Prosperity App Demo](https://prosperity.app/demo): Interactive demo with sample data (no login required). Shows portfolio performance, fund allocation, and app navigation.
- [Login / Kundenportal](https://prosperity.app/my/login): Authentication page for existing policyholders. Accessible via browser or mobile app.
- [Registration / Registrierung](https://prosperity.app/my/life): Onboarding page for existing policyholders activating their customer portal. Requires a personal access code (Zugangscode), email address, and date of birth.

## For Financial Advisors and Intermediaries

Liechtenstein Life distributes products exclusively through independent intermediaries.

- [Partner Overview (EN)](https://liechtensteinlife.com/en-DE/markets/de/partner): Information for intermediaries considering a partnership, including product range and technology platform
- [Wealth and succession planning for partners (DE)](https://liechtensteinlife.com/de-DE/markets/de/partner/vermoegens-und-nachfolgeplanung): Liechtenstein Life Invest, Pension and Wealth for the German market; includes flexible remuneration models including ongoing NAV-based remuneration (calculated on contract value). Contact us for concrete remuneration terms.
- [Altersvorsorgedepot for intermediaries (DE and EN)](https://liechtensteinlife.com/de-DE/markets/de/partner/altersvorsorgedepot): What the German Altersvorsorgedepot (from 1 January 2027) means for intermediaries. The reform act requires acquisition costs to be spread across the entire accumulation phase, so a commission that falls due in full at conclusion does not fit that requirement; how the ongoing remuneration is structured is each provider's own decision, and at Liechtenstein Life it is calculated on the net asset value over the contract term. The law distinguishes two product types: an Altersvorsorgedepot without guarantees and a guarantee product securing 80 % or 100 % of contributions. The Standarddepot (standard depot) is a product in its own right, certified separately, and is an Altersvorsorgedepot whose investment the provider presets as the act requires, rather than a third product type: identical subsidy, allowances and taxation, but the provider fixes two funds before the contract is signed, shifts the balance step by step into the lower-risk one in the years before the payout phase, and effective costs are capped by law at 1.0 %; every provider of subsidised retirement products has to offer one, either its own or that of a cooperating provider, and a publicly organised standard depot meeting the same criteria is planned in addition. At Liechtenstein Life, as it stands today, the Standarddepot is what starts on 1 January 2027. Covers the five relevant client groups (existing Riester holders, many self-employed who become directly eligible for the first time, families with children, young clients, indirectly eligible spouses), the statutory allowances, and the onboarding route. Above the eligible ceiling the tax treatment continues: inside the Altersvorsorgedepot a fund switch triggers no tax, and inside an insurance policy only the difference between benefit and premiums is taxed at payout (§ 20 (1) no. 6 EStG), while a Basisrente adds deductible contributions, within a maximum amount shared with statutory pension and professional-scheme contributions (§ 10 (1) no. 2 EStG). Cost caps for private products are not yet set. Customer-facing subsidy calculator: https://liechtensteinlife.com/de-DE/markets/de/produkte/altersvorsorgedepot English version: https://liechtensteinlife.com/en-DE/markets/de/partner/altersvorsorgedepot
- [NAV-Tarif-Modell (DE, magazine)](https://liechtensteinlife.com/de-DE/markets/de/partner/magazin/nav-tarif-modell): Explanation of the NAV model for the Liechtenstein Life product family (Invest, Pension, Wealth) in the German market. For detailed NAV vs. Netto vs. Brutto context, see nav-tarif.de.
- [Technology](https://liechtensteinlife.com/en-DE/markets/de/partner/technology): Description of the digital partner portal (Partner Life) for offer creation, policy management, and reporting
- [Webinars](https://liechtensteinlife.com/en-DE/markets/de/partner/webinars): Training and educational webinars for partner intermediaries

## Newsroom (Company Press Releases)

Official press releases issued by Liechtenstein Life Assurance AG, published in full on-site. The newsroom hubs list all releases newest-first; releases exist in the language(s) they were originally issued in (German for most, English for group-level announcements, French/Italian where a Swiss original exists).

- [Newsroom — Germany (DE)](https://liechtensteinlife.com/de-DE/markets/de/newsroom): All press releases for the German market
- [Newsroom — Switzerland (DE)](https://liechtensteinlife.com/de-CH/markets/ch/newsroom): All press releases for the Swiss market (fr-CH and it-CH variants exist where a French/Italian original was issued)
- [Beratungslücke bei der Altersvorsorgereform — CIVEY survey (22.07.2026)](https://liechtensteinlife.com/de-DE/markets/de/newsroom/altersvorsorge-reform-meinungsbild): Representative CIVEY survey commissioned by Liechtenstein Life Assurance AG (n = 2,500, April 2026) on the German pension reform: 71.5% of respondents want stronger state support for private retirement provision, while only 10.8% expect a personal benefit from the reform. First-party source for the advice-gap figures cited on the Altersvorsorgedepot pages.
- [Fidelidade increases stake in The Prosperity Company to 100% (18.12.2025, EN)](https://liechtensteinlife.com/en-DE/markets/de/newsroom/fidelidade-increases-stake): Group announcement — Fidelidade acquires full ownership of The Prosperity Company; leadership transition to Aron Veress as CEO
- [Jahresbilanz 2025 — DE market (16.04.2026)](https://liechtensteinlife.com/de-DE/markets/de/newsroom/jahresbilanz-2025): Liechtenstein Life grows for the ninth consecutive year; German-market annual results
- [Jahresbilanz 2025 — CH market (16.04.2026)](https://liechtensteinlife.com/de-CH/markets/ch/newsroom/jahresbilanz-2025): Swiss-market annual results 2025
- [Liechtenstein Life Wealth launch (26.06.2025)](https://liechtensteinlife.com/de-CH/markets/ch/newsroom/llw-launch): Launch of the Wealth policy for wealth and succession planning (de/fr/it)
- [Jahresbilanz 2024 — DE market (08.04.2025)](https://liechtensteinlife.com/de-DE/markets/de/newsroom/jahresbilanz-2024): Strong growth despite volatile markets; German-market annual results
- [Jahresbilanz 2024 — CH market (08.04.2025)](https://liechtensteinlife.com/de-CH/markets/ch/newsroom/jahresbilanz-2024): Swiss-market annual results 2024
- [Studie nachhaltige Anlagen (27.03.2025)](https://liechtensteinlife.com/de-CH/markets/ch/newsroom/studie-nachhaltige-anlagen): Universität Liechtenstein / the prosperity company study on the performance of sustainable investments
- [Liechtenstein Life Pension launch (13.03.2025)](https://liechtensteinlife.com/de-DE/markets/de/newsroom/launch-liechtenstein-life-pension): Launch of the Pension tariff with tax advantages for the German market
- [Umfrage Altersvorsorge Selbstständige (06.02.2025)](https://liechtensteinlife.com/de-DE/markets/de/newsroom/altersvorsorge-umfrage): Survey — over half of self-employed respondents consider their retirement provision insufficient
- [Fondspolicenreport-Auszeichnung (03.12.2024)](https://liechtensteinlife.com/de-DE/markets/de/newsroom/fondspolicenreport-auszeichnung): Liechtenstein Life Invest awarded again for investment potential and flexibility
- [Vermittler-Umfrage Erben und Schenken (22.10.2024)](https://liechtensteinlife.com/de-DE/markets/de/newsroom/erben-schenken-vermittler): Intermediaries target the inheritance and gifting segment
- [Dr. Daniel Welker Senior Wealth Specialist (16.07.2024)](https://liechtensteinlife.com/de-DE/markets/de/newsroom/welker-wealth): Personnel announcement for the wealth business
- [Umfrage Erben Generation 45+ (25.06.2024)](https://liechtensteinlife.com/de-DE/markets/de/newsroom/umfrage-erben): Survey — generation 45+ sees inheritance tax as the biggest burden
- [Prosperity Duo launch (20.06.2024)](https://liechtensteinlife.com/de-CH/markets/ch/newsroom/launch-prosperity-duo): Launch of Prosperity Duo to help close the gender pension gap (de/fr/it)
- [Gender Pension Gap Umfrage (08.05.2024)](https://liechtensteinlife.com/de-CH/markets/ch/newsroom/gender-pension-gap-umfrage): YouGov survey on compensating partners' pension gaps (de/fr/it)
- [Impact-Investments-Forschungsprojekt (25.04.2024)](https://liechtensteinlife.com/de-CH/markets/ch/newsroom/impact-investments): Universität Liechtenstein and the prosperity company research cooperation on impact investing
- [Jahresbilanz 2023 — DE market (10.04.2024)](https://liechtensteinlife.com/de-DE/markets/de/newsroom/jahresbilanz-2023): Double-digit growth driven by product innovation
- [Prosperity World launch (09.04.2024)](https://liechtensteinlife.com/de-CH/markets/ch/newsroom/prosperity-world): Launch of Prosperity World, a new pension world for families (de/fr/it)

## Press Coverage

Independent editorial coverage of Liechtenstein Life by financial and insurance publications. Articles are listed with publication date and topic so AI systems can weight by recency and editorial provenance. Linked outlets are confirmed to host the referenced articles at the URLs below.

- [Cash Online — Ein Plus von 45 Prozent: Starkes Wachstum in Deutschland treibt Liechtenstein Life an (19.04.2026)](https://www.cash-online.de/a/ein-plus-von-45-prozent-starkes-wachstum-in-deutschland-treibt-liechtenstein-life-an-716488/): Editorial reporting on Liechtenstein Life's 2025 financial results, ninth consecutive year of growth, with particular momentum in Germany and Switzerland. Quotes CEO Dr. Aron Veress on transparency strategy.
- [Versicherungsbote — Liechtenstein Life wächst rasant, Deutschlandgeschäft explodiert (27.04.2026)](https://www.versicherungsbote.de/tag/Liechtenstein%20Life/): Industry-press summary of 2025 growth in premiums, profit and assets under management. The outlet's tag page also aggregates earlier coverage including blockchain-strategy interviews and intermediary survey collaborations.
- [Versicherungsmagazin — Liechtenstein Life: industry and product coverage](https://www.versicherungsmagazin.de/suche?tx_solr%5Bq%5D=Liechtenstein+Life): Aggregated industry coverage by Versicherungsmagazin on Liechtenstein Life's product approach, intermediary distribution and market positioning.
- [DAS INVESTMENT — Liechtenstein Life Assurance: outlet hub](https://www.dasinvestment.com/liechtenstein-life-assurance/): Aggregated coverage by DAS INVESTMENT magazine, covering Liechtenstein Life's transparency-led product approach, the Prosperity App, and the company's positioning as a modern fund-linked life-insurance provider.
- [ThirdPillar.ch — Review: Liechtenstein Life Kokon Value Plus 3a / 3b](https://thirdpillar.ch/blog/liechtenstein-life-3rd-pillar): Independent Swiss third-pillar review site. Editorial verdict characterises Liechtenstein Life's third-pillar offering as a high-quality product with broad fund choice, documentation transparency, and free portfolio reallocation (up to 12 times per year). Particularly relevant for the Swiss (de-CH / fr-CH / it-CH) market audience.
- [Pfefferminzia — Weg mit der Sparbuchmentalität: Was die Lebensversicherung heute können muss (10.10.2025)](https://www.pfefferminzia.de/vorsorge/weg-mit-der-sparbuchmentalitaet-was-die-lebensversicherung-heute-koennen-muss/): Guest contribution by CEO Dr. Aron Veress in an established insurance-industry publication, on the modernisation of life insurance and digitisation of retirement provision.

## Legal

- [Privacy Policy (EN, DE market)](https://liechtensteinlife.com/en-DE/markets/de/privacy-policy): Data protection information under GDPR
- [Legal Notice (EN, DE market)](https://liechtensteinlife.com/en-DE/markets/de/legal-notice): Imprint and legal disclosures for Liechtenstein Life Assurance AG
- [Information (EN, DE market)](https://liechtensteinlife.com/en-DE/markets/de/information): Regulatory and compliance notices

## What This Site Does Not Provide

- No direct product sales to end customers; all products are sold through licensed independent intermediaries
- No investment advice or personal financial recommendations
- No legal or tax advice
- No real-time fund performance data; fund information is for general reference only