Swiss Life Holding

Swiss Life is predominantly a life and long-term savings company that generates the main share of its revenue and earnings from its domestic market in Switzerland. The company also operates in France, Germany, and a few smaller, but wealthy European countries. The company also has an asset manager. Swiss Life has three main sources of income that vary in significance by geography. Savings income relates to spread-based earnings, the risk result relates to an insurance margin, and the fee result relates to asset management and financial advisory. The fee result has been growing in importance over recent years as a result of advice, asset management, and sales of unit-linked.