Liechtenstein Life

Liechtenstein Life Assurance AG, an insurance company established in 2008, operates from Schaan, Liechtenstein, specializing in fund-linked and retirement-focused life insurance products. Since 2016, the company has been a wholly-owned subsidiary of the prosperity company AG, a digital finance holding company. This parent company is, in turn, 70% owned by the Portuguese insurance group Fidelidade since a 2022 acquisition, with the remaining 30% held by TPC Management GmbH.

The company's business model centers on developing and distributing long-term, investment-based insurance solutions designed for wealth accumulation and retirement planning. It operates primarily in Switzerland, Germany, Austria, and Italy, in addition to its home market of Liechtenstein. Revenue is generated through premiums on its insurance policies. Liechtenstein Life employs a digital-first strategy, developing financial strategies and digital asset management tools for its end customers and distribution partners. Clients can manage their pension plans and investments through the company's proprietary Prosperity app.

Liechtenstein Life offers a range of products under its "Prosperity" brand, which function as third-pillar pension plans. These are fund-based investment products with a focus on tax efficiency and risk protection. The product suite includes "Prosperity 3a" for tax-advantaged pension savings, "Prosperity Plus" for flexible wealth accumulation, "Prosperity Duo" for couples, and "Prosperity Junior" for children. A key feature is the extensive investment selection, allowing policyholders to choose from over 2,000 investment options, including a wide array of active and passive funds and ETFs from various asset managers. The company’s services combine voluntary pension plans with options for disability and death protection.

The company was founded in Vaduz in October 2008. In 2014, Markus Brugger and Holger Roth, previously the management team at Prismalife, joined the executive team of Liechtenstein Life. Roth, who had co-founded Prismalife in 2000, brought extensive experience in fund-linked and occupational pensions from his time at Standard Life and Winterthur. As of 2024, the management team includes CEO Dr. Aron Veress, CFO Michael Blank, and CIO Dr. Marcel Vaschauner. The company is regulated by the Financial Market Authority (FMA) of Liechtenstein, and client funds are protected as segregated assets under local insurance law.

Keywords: life insurance, retirement planning, fund-linked insurance, wealth management, pension plans, asset accumulation, Insurtech, private pension provision, investment-based insurance, third pillar pension, digital asset management, financial services, tax-advantaged investments, succession planning, Liechtenstein finance, European insurance, retirement solutions, wealth preservation, private wealth, financial protection