Pension plan concept

Separate investment and insurance components – for greater effectiveness
As a savings risk solution, the Vita Joint Foundation maintains a strict separation between investment and insurance components. This separation only has benefits for customers, namely transparency, interest payments at market rates, full participation in investment returns, security and flexibility.

Transparency and profit sharing
Pension capital is invested in the name and at the risk of the Vita Joint Foundation – yet customers participate 100% in investment returns. Mandatory LOB retirement savings are credited at the LOB interest rate or higher. Insured persons participate directly in investment returns through the crediting of accrued additional interest payments. The Vita Joint Foundation works closely together with the Zurich Investment Foundation. And because performance and investments are shown with absolute transparency, objective comparisons with other pension plans are possible.

Security and flexibility
Zurich Life Insurance Company Ltd covers annuity and insurance benefits payable upon disability or death under a group life insurance policy. This ensures our customers full-scale insurance coverage at attractive rates.