When considering investing in a Swiss annuity, asset protection is certainly one of the most interesting aspects that a Swiss annuity can provide.
Swiss annuities as an asset protection vehicle
According to Swiss insurance law, when choosing your spouse and/or descendants as beneficiaries, all assets invested in an annuity policy are protected against any debt-collection procedures initiated by your creditors, or from any Swiss and other non-Swiss bankruptcy procedures. This is also the case if you choose a third party as irrevocable beneficiary.
In Swiss law, all assets invested in Swiss annuities are separated from the rest of the estate - therefore, your policy may not be seized in case of bankruptcy.
Based on articles 80 and 81 of the Swiss insurance law, Swiss annuities are protected from creditors in case of bankruptcy.
