Swiss Life Network client brochure

The Swiss Life NetworkYour comprehensive employee benefits provider

The Swiss Life Network is your single source forSWISSSuperiorWorldwideInnovativeSoundSustainableinternational employee benefit solutions.

ContentsThe Swiss Life Network –your international employee benefits provider 4Our solutions and services –comprehensive and customised 6The Swiss Life Group –a truly solid foundation 8Our offer –Swiss quality you can rely on 103

The Swiss Life Network – yourinternational employee benefits providerThe challenges of complexity, compliance andcost-efficiencyWhatever the size of your company’s operations abroad,you face increasing complexity in the employee benefitsarea. This may be due to having more countries to manage,but beyond this, there are increasing compliance pressuresand constantly changing employee benefit requirements.At the same time, cuts in social security benefits are puttinggreater demands on corporate employee benefit plans inmany countries. And with costs continuing to rise, em ployeebenefits are a focus of growing concern on the managementagenda.Your trusted partner for all employee benefit issuesworldwideFortunately, there is a proven and effective way for multinationalsto respond to this situation. By entrusting yourlocal employee benefit plans to an international network ofproviders like the Swiss Life Network, you ensure expertise,transparency and a single point of contact to help youmore easily manage complexity, secure compliance, increasecost-efficiency, and gain top-quality solutions and servicesfor your plans around the globe.The pioneer global employee benefits networkThe Swiss Life Network established the insurance conceptsbehind international employee benefit programmes in1962. Starting with multinational risk pooling, we rapidlyexpanded our offer to cover a broad range of products andservices, including pensions. Today we remain one of theglobe’s leading networks, at the forefront of developingcomprehensive, high-quality employee benefit solutions forall your death, disability, medical and retirement benefitneeds, and distinguished by the stability and excellence ofour long-term relationships with clients and businesspartners.Swiss expertise and service qualityThe Swiss Life Network is headquartered in Zurich, Switzer -land. From here our multilingual team of experiencedprofessionals are in daily contact with Network Partnersserving you locally around the globe. Our experts will helpyou to evaluate and make complex business decisions onemployee benefits for your company, meeting your needseffectively, efficiently and reliably wherever you need ourhelp. Since our client relationship function is regionallyorganised to mirror our clients’ business structures, we haveregional client management teams in Asia, the Americasand Latin America, as well as client managers in all the mainEuropean centres.Global coverage, local leadershipThe Swiss Life Network is made up of over 60 leading locallife insurance and business partners covering some 80 countriesand territories where multinational corporationsoperate. Each Network Partner provides a full range of flexibleand competitive local risk and pension coverages, andhigh-quality, fast and efficient service. In addition, everyNetwork Partner offers the expertise you need to maintainan overview of local legal, tax and political developmentsaffecting employee benefits.Swiss quality standards around the worldEvery Swiss Life Network Partner meets highlydemanding requirements:• Top local life and pension insurer• Financially sound• Comprehensive, innovative product range• Excellent service quality• Strong group/corporate business portfolio• Extensive experience with multinationals.4

Our solutions and services –comprehensive and customisedPension solutionsThe Swiss Life Network’s international employee benefitprogrammes let you monitor and control your local riskand saving plans. In addition, we provide expert adviceand support for every aspect of local and global employeebenefit solutions.Every solution is tailored to your requirementsThere’s no standard Swiss Life Network package. Our uniquemodular system lets you design a customised internationalemployee benefit programme to meet your organisation’sexact requirements and risk profile. Naturally, the parameterscan be changed as circumstances require.Risk solutions with multinational pooling optionsSwiss Life Network Partners provide a comprehensive rangeof competitive risk solutions including death and longandshort-term disability and dismemberment risk coveragesfor illness or accident, which are available for bothlocal and mobile employees.Furthermore, whether through a company-specific pool orour multi-client pool, multinational pooling allows you tospread your insured risks and optimise the costs of youremployee benefit coverages around the world. You benefitfrom a high degree of transparency on both global andlocal levels, and gain a wealth of valuable information.The Swiss Life Network provides a range of innovative andhighly flexible pension plans – including European pensionsolutions under the EU IORP Directive. We are expertsat designing efficient and cost-effective plans to suit yourorganisation’s requirements, ensuring that your solution isalways fully in compliance with the relevant legislation.Medical coveragesAs a Swiss Life Network client, you can ensure top quality,comprehensive medical coverage and health assistancefor your employees through our association with leadinginternational health insurers. Coverage is available forboth local and internationally mobile staff.Expatriate packagesExpatriates and Third Country Nationals require specialcompensation and benefits packages. We have the expertiseto establish customised, cost-effective expatriate solutionscovering death, disability, retirement and medical needsin line with your corporate guidelines. Repatriation andevacuation plans are also available.Captive solutionsSwiss Life Network’s exclusive tailor-made solutions allowyou to make the most of your in-house captive and achievethe improved business and efficiency results you seek.Asset managementOur quality asset management services are designed forsecurity, long-term potential and yield. Delivered by provenspecialists with years of experience managing retirementfunds, we offer a broad selection of appropriate investmentopportunities.6

Advice and informationSwiss Life Network experts use their know-how to help setup and maintain optimal employee benefits programmes.We also offer access to information and advice from humanresources, risk management and financial services specialists.Our uniquely transparent reports help you to monitor yourbenefit plans and benchmark them against industrystandards. We provide excellent online tools that give youimmediate, up-to-date information on your plans.In addition, you receive regularly updated information onemployee benefits worldwide.We have the solutions to meet your needsExpertiseAdviceClient RelationshipManagementUp to dateInformationLocal EB Schemesretirement, death, disabilityaccident, health, assistanceCustomisedSolutionsPreventionExpatriate& TCNsolutionsInternational& EuropeanpensionsCaptiveSolutionsCommercial andTechnical AdministrationMultinationalPoolingAssetManagement7

The Swiss Life Group –a truly solid foundationThe Swiss Life Network is backed by the Swiss Life GroupAs a major player in the international life and pensionmarket, the Swiss Life Group is a leading provider of longtermsavings and risk protection, and is committed tohelping its customers create a secure financial future for life.You can find more details about the Swiss Life Group onthe Swiss Life website: www.swisslife.comSwiss values you can rely onThe Swiss Life Insurance and Pension Company was foundedin Zurich in 1857. Originally established as a mutual, webecame a stock company in 1997. Swiss Life was the firstlife insurer established in Switzerland, and we are a leadingprovider for employee benefits in the Swiss market today.The Swiss insurance industry is recognised as one of thesafest and most respected in the world. We are proudto maintain its values of quality, integrity, stability andsecurity wherever we work around the globe.Corporate Clients’ product offering is modular, and includesall the necessary elements to create appropriate and customisedsolutions for you:• You can select from a variety of risk pooling options foryour risk coverages that ensure optimised risk spreadingand costs for your company.• Our experts use their extensive cross-border experience todevelop specialist solutions for TCNs and expatriates outof Luxembourg. We also take advantage of Luxembourg’sattractive EU location to manage a European PensionFund that offers international and European pensionsolutions under the IORP Directive to large corporateclients and multinationals.• If you prefer to retain a portion of your company’s risks,we offer reinsurance solutions for use in conjunctionwith your corporate captive.Committed to corporate clientsThe Swiss Life Network is operated by the Swiss Life Group’stransnational business unit Corporate Clients. This unitalso runs the life and pension insurance business for cor p-orate clients in Luxembourg and for expatriates around theglobe. Thanks to the expertise and close working relationshipsof these different business lines, corporate clients andmultinationals are assured of the highest quality risk andretirement employee benefit solutions.8

Our offer –Swiss quality you can rely onYou benefit from:• An extensive range of high-quality local and internationalemployee benefit solutions• Innovative and flexible international programmestailored to your needs• Superior levels of service from a multilingual provider• Overall cost reductions through increased effectivenessand efficiency• Advice and expertise on an international level• In-depth knowledge of local legislation and regulations• Transparent, extensive and regular reporting andinformation• A financially-sound network centre with an outstandinginternational reputation• Almost 50 years of experience as a leading employeebenefits network• Practical, user-friendly online tools to monitor youremployee benefits schemesSelect your areas of interest• Local employee benefit schemes(retirement, death, disability, accident, health, assistance)• International and European pension solutions• International medical plans• Expatriate packages• Multinational pooling options• Captive solutions• Asset management• Online access to international programme data• Advice and expertise (consulting, publications, events, etc.)10

960 815 - 12.2011Swiss Life NetworkGeneral-Guisan-Quai 40P.O. Box, 8022 ZurichSwitzerlandT +41 43 284 37 97F +41 43 284 39 97network@swisslife.comwww.swisslife-network.com