Skip to main content

Legal information

Please read this information carefully. By accessing this Website, you agree to be bound by the terms and conditions below.

Legal limitations

The Skandia Website is not intended for any person in any jurisdiction where the availability of the Skandia Website is prohibited by reason of that person's nationality, residence or otherwise. Persons to whom such prohibitions apply must not access the Skandia website.

Intended Audience

This website is directed solely toward customers and financial advisors who reside in Switzerland and who have no restrictions concerning the signing of a fund-based life insurance policy or restrictions concerning the acquisition of investment fund stakes – for example, due to their nationality or their country of origin or residence. All information and investment offers found at this website are directed solely toward the aforementioned customers and financial advisors and are limited exclusively to Switzerland. In particular, the information found at this website does not represent a contractual offer for investment or an advertisement for such an offer directed at US persons (as more closely defined in the sales brochures of the relevant investment funds and investment fund companies, in accordance with the applicable laws of the USA). Furthermore, the information at this website is not intended for any territory outside of Switzerland.

No offer

The information published on the this Website is provided for information purposes only and does not constitute a recommendation or offer to buy or sell any investment instruments or to conclude any legal act whatsoever. The companies in the Skandia Group are not obligated to accept any messages that are transmitted to them through the Website.

No advice

This Website is not intended to replace advisory services and does not constitute a reliable basis for insurance and/or investment decisions. Past performance figures are not necessarily an indication of future performance.

No guarantee

The companies in the Skandia group take the greatest care to ensure that the information on this Website is correct. However, the Skandia companies do not guarantee the accuracy, completeness or continuous availability of the information published on this Website and do not accept any liability for any damages resulting from the use of published information. The information on this Website can be modified at any time without notice.

Use of the internet

Use of the Internet is associated with risks that are a direct consequence of the open nature the Internet, such as the risk of the transmission of viruses. Furthermore, the security of data transmission over the Internet is not guaranteed. Companies in the Skandia group do not guarantee the accessibility of systems and do not accept any liability for any damages resulting from direct or indirect access to this Website or to links to the Websites of third parties.

Use of cookies

Like numerous other websites, Skandia’s website uses what are known as "cookies". The cookies we use are only so-called "session cookies", i.e. little text files which your browser stores in your temporary memory when you visit our website, to enable it to use our website's functions. If you visit another time a new cookie is generated. You have the right and the option of rejecting our cookies. To do this, simply deactivate cookies in your browser. If you do, however, you will not be able to use many of our website's functions, such as our customer portal, or our partner portal.

Google Analytics

This website uses Google Analytics, a web analysis service from Google Inc. (“Google”). Google Analytics uses what are known as “cookies”, text files which are stored on your computer and make it possible to analyse your use of the website. The information about your use of the website (including your IP address) generated by the cookie is transferred to a Google server in the USA and stored there. Google will use this information to analyse your use of the website, to compile reports about the website activities for the website operators and to provide other services associated with use of the website and the Internet. Google will also pass this information to third parties as necessary, insofar as prescribed by law, or if third parties are engaged in processing this data on behalf of Google. Under no circumstances will Google link your IP address to other Google data. You can prevent cookies being installed by setting your browser software accordingly; we would like to point out, however, that in this case you may not be able to use all of this website’s features in full. By using this website you are consenting to your data as collected by Google being processed in the above manner and for the above purpose.


The companies in the Skandia group have not checked the contents (accuracy, legitimacy) of third-party Websites linked to this Website and do not accept any liability for their products and services offered.


All elements of this Website are protected by copyright law and belong exclusively to Skandia. The information may be used strictly for browsing purposes.

Product information

For details about all life insurance products, contact:

Skandia Leben AG, Churerstrasse 25, 8808 Pfäffikon