Surplus Distribution

The term "surplus distribution" is synonymous with the term "life insurance dividend". It denotes the distribution of surplus money earned by a mutual life insurance company to its whole life insurance policyholders.

In Switzerland, a number of life insurance companies make allowance for possible surplus distributions in their life insurance policies.

Swiss life insurance providers may reimburse policyholders for a certain portion of premiums paid – if investment and interest rate conditions enable them to make above-average profits.

This is possible when a life insurance company estimates investment growth too conservatively at the beginning of an investment cycle, and ends the cycle with higher profits than it had anticipated.

More on this topic:
Swiss life insurance comparison

Health insurance premiums in comparison

Find the cheapest health insurance now

Compare now
Request now for free

Leading credit cards

Free credit card

Migros Cumulus Visa

  • No annual fees

  • With Cumulus points

  • Without foreign currency fees

Free credit card

Swisscard Cashback Cards Amex

  • No annual fees

  • Two cards Amex & Visa/Mastercard

  • With cash back

Deal of the Day
×
Free credit card

Migros Cumulus Visa

No annual fees

Trading platforms

Brokers with low fees

International trading platform

eToro

  • Thousands of international and local stocks

  • Award-winning trading platform

  • The information provided in the advertisement constitutes a promotion for shares. Your capital is at risk.

Request now for free

Cheap bank accounts with card

Online private account

UBS key4

  • 50 KeyClub points as a welcome gift

  • Online private account with debit card

Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

Swiss digital bank

Alpian

  • CHF 75 welcome bonus with referral code LAND25.

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

Expert Benjamin Manz
Benjamin Manz is an expert on banking and financial topics at moneyland.ch.