Disclosure Requirement Under Article 45 of the Insurance Oversight Act (IOA)
1. Identity of the Intermediary
Finturis GmbH
Baarerstrasse 78
6302 Zug
Schweiz
Tel.: +41 (0) 62 511 01 00
E-Mail: info@finturis.ch
Webseite: finturis.ch
2. Activity as a Tied Insurance Intermediary (Multiple Agent)
As a tied insurance intermediary, we are involved in the brokerage and processing of insurance products from Liechtenstein Life Assurance AG, Feldkircher Strasse 31, 9494 Schaan, Principality of Liechtenstein. Liechtenstein Life Assurance AG is a Liechtenstein-based life insurance company and provides insurance products to the Swiss insurance market via service transactions. It is supervised by the Financial Market Authority of Liechtenstein (FMA).
We are authorized to provide offers, accept or reject applications for the conclusion, extension, or amendment of insurance contracts, as well as to accept cancellations of such applications and other declarations required before the conclusion of an insurance contract. We are also authorized to hand over insurance policies and endorsements, customer information, insurance terms and conditions, risk profiles, basic information sheets, individualized sample calculations, application copies, and advisory documentation upon application.
As a multi-agent, we do not enter into exclusive agreements with insurers and can therefore also work for multiple insurance companies. The following insurance companies are currently part of our portfolio:
Liechtenstein Life Assurance AG, Feldkircher Strasse 31, 9494 Schaan, Fürstentum Liechtenstein
3. Offered Insurance
Liechtenstein Life Assurance AG offers unit-linked and fund-based life insurance and risk life insurance. Unit-linked and fund-based life insurances are qualified life insurance policies in the sense of Art. 39a of the Swiss Insurance Supervision Act.
Currently, we do not offer products from other insurance companies.
4. Compensation Type
Our compensation consists of market-standard commissions, which are paid by Liechtenstein Life Assurance AG. These commissions are included in the premiums of the insurance contracts we mediate, and customers do not have to pay them separately.
5. Our Customer Advisors
Our customer advisors are experienced insurance intermediaries. If you would like to learn more about the professional backgrounds and qualifications of our customer advisors, please contact us at info@finturis.ch.
6. Contract Partner
The contractual partner for all insurance contracts mediated by us is Liechtenstein Life Assurance AG. We act as an intermediary between the customer and the insurance company and are not a party to the contract.
7. Customer Protection and Conflicts of Interest
We are committed to advising our customers fairly and transparently. Every customer has the right to a comprehensive and understandable consultation on the insurance products we offer. We have procedures in place to identify and manage potential conflicts of interest. We are committed to acting in the best interests of our customers and disclosing all relevant information. If you have any questions or concerns, we are always available.
8. Duty of Care
We always act to the best of our knowledge and with the utmost care. This includes complying with all regulations and guidelines of our internal quality management. In the case of errors or incorrect information caused by negligence, Finturis GmbH is liable within the scope of its professional liability insurance with AXA (Policy No. 14.508.854).
9. Customer Rights
Should there be any cause for complaint in connection with our advice, the client can contact us at any time at info@finturis.ch. Customers can also contact Liechtenstein Life Assurance AG at clients@liechtensteinlife.com or +49 309 17 33 400. The usual processing times apply.
Furthermore, we are affiliated with the Swiss Financial Ombudsman Service (FINOS):
Ombudsstelle für Finanzdienstleister (FINOS)
Talstrasse 20
8001 Zürich
Telefon: +41 44 552 08 00
E-Mail: info@finos.ch
Web: www.finos.ch
10. Regulatory Authority
The Financial Market Authority Liechtenstein (FMA) is the competent supervisory authority for Liechtenstein Life Assurance AG. The FMA can be contacted as follows:
Finanzmarktaufsicht Liechtenstein
Landstrasse 109 / Postfach 279
9490 Vaduz
Liechtenstein
Phone: +423 236 73 73
E-Mail: info@fma-li.li
11. Data Protection and Confidentiality
The protection of our customers’ personal data is important to us. We comply with applicable data protection laws and treat information confidentially. Further information can be found in our privacy policy.