Swiss Life Holding AG

SLHN: XSWX (CHE)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
	CHF 351.00	Nzn	Hddhrmjmj

Very Steady Swiss Life Insurance Business

Henry Heathfield

Aug 17, 2022

Business Strategy and Outlook

Swiss Life Holding is a pure-play life insurer and doesn’t have the benefits of diversification that come to a multiline. Unlike France, Switzerland is predominantly a pension-driven life insurance market. This is largely from occupational pension schemes that have been growing over the past 10 years as Swiss insurers moved away from private pensions in the hope of achieving better economies of scale. Variable costs have remained high, though.

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We sell different types of products and services to both investment professionals and individual investors. These products and services are usually sold through license agreements or subscriptions. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters.

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