Insurance broker
We protect your interests
Choosing insurance should never be a gamble. Contracts are complex, exclusions are numerous, and the financial stakes are high. That's why it's essential to have a partner at your side. independent, competent and recognized.
At Invexa, we don't represent any company: we represent your interests. As an insurance intermediary, we guarantee total transparency and advice that complies with Swiss legal standards.
Invexa Sàrl is an insurance intermediary authorized by theSwiss Financial Market Supervisory Authority (FINMA) under the number F01537672.
Our team is trained in Swiss regulations (VVG, BVG, KVG, etc.), to pension schemes (3 pillars, vested benefits, taxation) as well as the various insurance branches.
Whether it's life insurance, health insurance, loss-of-earnings cover, liability insurance, household insurance, car insurance or professional solutions for businesses, you benefit from precise, documented support that's always aligned with your personal situation.
Thanks to our independence, we have access to all insurance companies and negotiate the best conditions for you. No commercial pressure, no forced orientation: your needs dictate our recommendations.
Insurance doesn't stand still. Marriage, family, property purchase or retirement: as your life changes, so do your coverages. We're here to adapt your cover and defend your rights, even in the event of a claim.
Why use an insurance broker?
Global vision
A broker analyzes your entire situation - private, professional and financial - to build a coherent protection plan, without duplication or gaps.
Time-saving
No need to contact several insurers or decipher general conditions. The broker centralizes the process, simplifies your choices and anticipates deadlines.
Best coverage/price ratio
Thanks to its access to a large number of companies, a broker can negotiate advantageous terms and conditions, with cover that is better adapted than standard offers.
Long-term monitoring
Does your situation change? The broker is there to help you adjust your contracts, optimize your tax situation or defend you in the event of a claim.
Discover our specialized insurance articles
Discover our specialized articles to help you prepare for retirement in the best possible conditions.
Frequently asked questions about insurance brokerage
Here are the answers to the most frequently asked questions about insurance brokerage in Switzerland.
An insurance broker is a professional independent who acts as an intermediary between the customer and insurance companies. Unlike a tied agent, he does not represent an insurer, but you. His role is to advisorto compare market offers and provide you with the best solutions adapted to your real needs.
Because an insurer sells you its products, while a broker sells them to you. compare for you, in complete neutrality. He saves you time, money and clarity, by analyzing offers, negotiating conditions and avoiding duplication or gaps in your contracts. He becomes your single point of contact, even if you have several insurers.
No. Brokerage fees are included in premiums, whether you go direct to the insurer or through a broker. So you don't pay anything extra, but you get personalized advice, professional follow-up and assistance in the event of a claim.
A broker :
- Assess your needs (private or professional)
- Compare market offers independently
- Negotiate the best terms for you
- Assists you in the event of an accident or claim
- Monitor changes in your situation and adjust your cover if necessary
At Fondeca, we go a step further by integrating insurance into a comprehensive global strategy and tax issues.
Absolutely. Whether you're self-employed, an SME manager or an HR manager, we can help you :
- KVG/LAMA/LPP
- Loss of earnings due to illness
- Corporate liability
- Cyber-risk, fleet, construction, etc.
We can also help you manage calls for tender, à negotiate with companies and optimize your payroll taxes.
Yes. In Switzerland, all unrelated brokers must be registered with the Swiss Financial Market Supervisory Authority (FINMA)They must be able to demonstrate professional competence, hold a professional liability insurance, and comply with a strict code of conduct.
At Fondeca, we not only comply with these legal obligations, but go even further by applying internal standards of quality and transparency.
Why choose Invexa?
Invexa will work with you rigorously, ethically and objectively to optimize your retirement and personal finances, without any conflict of interest.
Independent advice
Invexa is not affiliated with any bank or insurance company. We are on your side, defending your interests to the best of our ability.
Results-oriented approach
We'll help you make concrete, realistic decisions that are consistent with your tax, business and family situation.
Expert advice
Our advisors are specialists in their field and hold qualifications recognized in Switzerland.
All-round Support
Our team is at your disposal to advise and support you at all times, for simple or complex situations.
How do I choose the right broker in Switzerland?
In the Swiss insurance market, the role of the broker is of the utmost importance. But not all brokers are created equal. Some brokers work independentothers are related some limit themselves to the sale of products, while others adopt a global approach integrating tax, pensions and wealth management.
Check legal status and independence
In Switzerland, only brokers unrelated are truly independent. They must be registered with the FINMA (Swiss Financial Market Supervisory Authority)This guarantees that they are not affiliated with any particular insurance company. This independence is vital: it ensures that the recommendations made are not biased by commercial objectives imposed by an insurer, but also that the broker is able to provide you with advice in accordance with the law.
Look for an approach that focuses on your needs
A good broker doesn't start by offering you a contract. He starts by asking you questions about your family, professional and financial situation, as well as a review of your existing cover.
This analysis is fundamental. It enables us to avoid redundancies, gaps in coverage, or poor trade-offs (between life insurance and linked pension plans, for example). A competent broker must be able to build a comprehensive insurance strategy rather than simply stacking products on top of each other.
Analyze its level of expertise
A good broker must first and foremost understand the legal bases that govern the Swiss insurance industry, such as the Swiss Insurance Code. ACLthe LOB or the LFLPHe or she must also be familiar with the technical subtleties of contracts, including exclusions, limitations of coverage, special clauses and common pitfalls. He must also master the technical subtleties of contracts, including exclusions, coverage limitations, special clauses and common pitfalls.
Its role is also to anticipate the consequences tax BVG buyouts, Pillar 3a withdrawals or vested benefits, as these operations can have a major impact on your overall situation. Finally, he or she must be able to link insurance to the broader issues at stake in your life: retirement, succession, business strategy or international mobility.
Get advice
Make a free appointment with one of our pension experts for personalized advice.
