Vita Plus For companies that want better insurance for their senior staff Vita Plus is intended to supplement mandatory pension provision and is suitable for companies of all sectors. The product offers additional risk benefits (additional lump-sum death benefit or disability benefit) and additional savings options for senior staff. Around 1,550 employers with a total of 7,200 employees have opted for Vita Plus.
In detail Investments The assets are invested by Zurich Life Insurance Company Ltd as part of a collective life insurance agreement. This contract stipulates that Zurich Life Insurance Company Ltd is to ensure all benefits set out in the regulations. In addition to the risks of disability and death, this also includes capital market risks. Zurich pursues a conservative investment strategy with a relatively high proportion of government and corporate bonds. Vita Classic investment strategy Interest earned Interest is earned on the savings capital in accordance with the collective life insurance tariff, and the interest rate is reviewed each year. In addition to fixed interest, the insured can also benefit from surplus generated by the savings capital. Zurich also distributes additional surpluses if the disability and death premiums have been calculated too conservatively – i.e. if fewer claims have been made than assumed. Vita Plus Interest earned 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 Total 1.25% 1.75% 2.00% 2.50% 2.50% 2.50% 2.75% 3.00% 3.25% 3.50% 3.00% 2.50% 2.50% Interest earned 0.75% 1.00% 1.50% 1.50% 1.50% 2.00% 2.00% 2.00% 2.00% 2.00% 2.00% 2.00% 2.00% 2.00% Surplus * 0.25% 0.25% 0.50% 1.00% 0.50% 0.50% 0.75% 1.00% 1.25% 1.50% 1.00% 0.50% 0.50% *will be defined in December Insurable benefits Vita Plus offers a broad range of choice. The companies can choose whether they would like to have additional retirement savings capital in addition to risk coverage. The pure risk plans (plans without a savings contribution) make it possible for companies to close gaps in the insurance of their senior staff or to offer additional risk benefits to a selected group of persons. In combination with additional savings benefits it is also possible to close gaps in old age. Companies naturally benefit from the tax advantages of the occupational retirement provision. Further information about the Vita Plus Joint Foundation Annual key figures, composition of the foundation board and information on other institution can be found here.
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