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Life insurance broker in Geneva

Finding the right life insurance is not something to be taken lightly. The differences in returns, fees, and coverage among the products available on the Swiss market can amount to tens of thousands of francs over the life of a contract. As an independent broker, Invexa compares offers and recommends the solution tailored to your profile, without any conflict of interest.
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Types of Life Insurance in Switzerland

Life insurance in Switzerland covers several distinct realities. Understanding their differences is essential before committing for several years.

The policy pays a lump sum to beneficiaries in the event of the insured's death. No cash surrender value, no accumulated savings, only financial protection for your loved ones. It is the least expensive solution for covering the risk of death, ideal for protecting a spouse or protecting a mortgage.

Mixed insurance combines savings and risk coverage. It builds capital over the contract term, paid out either at maturity or upon death. More expensive than pure risk insurance, it offers a capital guarantee valued in certain wealth management strategies. However, be mindful of setup and management fees, which can significantly reduce the effective return.

Pillar 3a in insurance is technically term life insurance. It combines tax-deductible retirement savings, death coverage, and, depending on the product, waiver of premiums in case of disability. AXA SmartFlex and Generali 3a Flex are the most competitive examples on the Swiss market in 2026.

Pillar 3b is life insurance with no deposit ceiling or withdrawal restrictions. In Geneva and Fribourg, premiums are partially tax-deductible: a unique advantage in French-speaking Switzerland that is often overlooked.

Insurance brokerage

Why use an independent life insurance broker?

An agent tied to an insurer can only offer you products from their company. An independent broker compares the entire market and has no interest in recommending one product over another, except for the one that best suits your situation.

Full analysis

Before making any recommendations, we conduct a thorough assessment of your family, tax, and asset situation. It is on this basis that we provide advice truly tailored to your needs.

Objective comparison

We access the offers of all insurers active in French-speaking Switzerland: AXA, Generali, Swiss Life, Groupe Mutuel, Helvetia, and others, without any commitment to any of them.

Integrated tax planning

The choice between pure risk, mixed contract, pillar 3a, or voluntary 3b insurance has direct implications for your taxable income and your taxation at the time of withdrawal. We integrate this dimension from the outset.

Long-term follow-up

Your professional, family, and financial situation is evolving. Your contracts must evolve with it. We remain your single point of contact at every stage.

Brokerage fees are included in insurance premiums. You pay nothing extra by going through an independent broker.

Our approach

Each mandate begins with a comprehensive review of your situation: income, expenses, existing coverage, retirement goals, and family situation. Based on this, we develop a precise, quantified, and comparative recommendation, without steering you towards a default product.

We work with the leading insurers active in French-speaking Switzerland and have no contractual commitment with any of them. Our remuneration is transparent and complies with the requirements of the Insurance Supervision Act (ISA).

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Frequently Asked Questions about Life Insurance

Here are the answers to the most frequently asked questions about life insurance brokerage in Switzerland.

A life insurance broker is an independent intermediary who analyzes your situation, compares market offers, and recommends the policy best suited to your needs. Unlike a tied agent, they are not affiliated with any single company and have access to all products available on the Swiss market.

The Pillar 3a is a linked provision with an annual payment ceiling (7,258 CHF for employees in 2026) and guaranteed tax deductions. The pillar 3b This is a flexible, uncapped provision with partial tax deductibility in Geneva and Fribourg only. The choice between the two depends on your tax situation, your retirement horizon, and your wealth management goals.

Not systematically. A mixed policy combines savings and risk coverage, but the integrated fees can significantly reduce returns compared to a separate strategy with pure risk on one side and investment on the other. An independent broker can quote both scenarios for your specific profile.

Brokerage services are compensated by a commission paid by the insurer, which is included in the premium. For the client, using an independent broker does not generate any additional cost compared to direct subscription, but it provides personalized advice and a market comparison.

We work with the leading insurers active in French-speaking Switzerland, including AXA, Generali, Groupe Mutuel, Helvetia, and many more. Our selection is based on financial strength, product quality, and fee transparency.

Yes. Invexa Sàrl is registered with FINMA under number F01537672 As an independent insurance intermediary.

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