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OUR SERVICE OFFERING FOR THE SWISS CLIENTELE

Individuals and Businesses

At 880Life, we present you with a comprehensive service offering tailored to the needs of both individuals and businesses in Switzerland.

We provide a thorough audit of your insurance portfolio:

  • Comprehensive Needs Assessment: We conduct an evaluation of your needs and perform a detailed risk analysis.
  • Detailed Risk/Product/Cost Analysis: Our experts review your risk profile, insurance products, and associated costs.
  • Tailored Coverage Formulation: We create insurance solutions perfectly suited to your specific needs.
  • Exploration of Tax and Financial Benefits: Our team identifies potential tax and financial benefits to optimize your coverage.

OUR COMMITMENT:

  • Coverage Analysis and Negotiation: Our experts analyze and skillfully negotiate coverage options on your behalf.
  • Ongoing Risk Monitoring: We closely monitor the evolution and changes in your risks to ensure your coverage remains relevant.
  • Insurance Solutions Optimization: We are committed to optimizing your insurance coverage for maximum efficiency.
  • Comprehensive Support in Case of Claims: In the unfortunate event of a claim, our support is comprehensive, guiding you through the process.
  • Premium and Benefit Verification: We meticulously verify premium invoices and benefit payments for accuracy.

FOR INDIVIDUALS:

Wealth Assessment: Having a clear understanding of your financial and wealth situation is crucial. We explore your needs (such as desired retirement lifestyle) and future plans (e.g., real estate purchase) to craft concrete strategies.

In-Depth Analysis: We thoroughly examine various aspects of your situation:

  • Family: Analysis of family composition, marital regime, etc.
  • Professional: Understanding of income history, projected retirement age, and career trajectory.
  • Tax: Evaluation of the nature and impact of taxes on your financial situation.
  • Wealth: Assessment of your assets and liabilities to create a comprehensive overview.

Identifying Strengths and Opportunities: We identify areas for improvement, such as boosting retirement funds, optimizing real estate investments, disability coverage, or efficient utilization of dormant assets.

Personalized Succession Planning: Our specialized service assists you in succession planning, considering:

  • Tax Implications: Calculating potential inheritance tax based on residence and heir locations.
  • Legal Aspects: Using tools such as marriage contracts or wills to ensure smooth wealth transfer.
  • Business Succession: Asset transfer strategy for business assets, including shares.
  • Customized Solutions: Utilizing techniques like marriage contracts, living donations, and wills for tailored succession, especially when heirs are in different jurisdictions.

Special Risks Coverage: We offer comprehensive coverage of family-related risks, including precious jewelry, watches, second homes, boats, and yachts.

FOR BUSINESSES:

Understanding and Managing Risks: In a constantly evolving economic and regulatory environment, the insurance market offers new coverage options. For instance, Cyber Insurance covers damages from network breaches, data theft, and data blockage. Employee Travel Insurance ensures effective coverage for all employees.

Personalized Insurance Strategies: Understanding your business's unique risks is essential. We identify necessary and appropriate insurance options to ensure comprehensive coverage.

Audit and Risk Assessment: Our experts thoroughly analyze and evaluate your business risks, providing insights for informed risk management and transfer decisions.

Leverage Our Expertise: As an entity registered with FINMA, [Your Company Name] offers a multidisciplinary team (tax, finance, law, and accounting) for an in-depth analysis of your insurance plans. We assist in personal succession planning and enhance risk management for businesses.

Professional Affiliations: We are affiliated with the Swiss Financial Planning Association, Society of Trust & Estate Planning, and the International Fiscal Association. Our legal, tax, and financial knowledge allows us to provide optimal advice for financial planning both in Switzerland and internationally.

Audit Costs: For individuals, we manage your entire insurance portfolio without audit fees, except for complex cases. For businesses or institutions, basic audits are complimentary. For more complex assessments, our affordable hourly rate ensures optimal value. Our experience shows that the cost of the audit is often offset by reduced premiums.

At 880Life, we are not merely insurance providers—we are dedicated strategic partners committed to enhancing your financial security and optimizing your coverage. Our expertise is at your service, ensuring precision and care to meet your insurance and wealth needs. Contact us to embark on this journey towards financial security.