LEGAL INFORMATION
Liability Disclaimer
The information on this website has been prepared with great care. However, we make no guarantees regarding the accuracy, completeness, or currentness of the content. All use is at your own risk. Vita Finance accepts no liability for any loss or damage resulting from reliance on the information provided. We reserve the right to update or modify content at any time.
FINMA and Cicero Registration
Our company is officially registered as an independent insurance intermediary with FINMA and is listed in the Cicero registry as a certified insurance advisor.
Company Registration: FINMA Number: F01206762
Registration Numbers of Our Advisors
Our Advisors
Thomas Heinzelmann
FINMA No. F01457186
Fabio Machado
FINMA No. F01457190
Elson Sinani
FINMA No. F01471201
John Cerejo
FINMA No. F01457184
Francesco Musio
FINMA No. F01492687
Roger Lipp
FINMA No. F01206782
Flamur Prendi
FINMA No. F01457915
René Keller
FINMA No. F00117077
Compensation
Our advisory services are fee-based and independent. We receive compensation through commissions paid by the insurance providers. The structure and amount of these commissions depend on the product category and the specific insurer.
Insurance Products (Commission Range)
Property Insurance i
Property Insurance
5.45% – 9.00% of the Premium Commission shared with Procare Vorsorge AG (60% to Vita Finance). Covers consultation, product recommendation, and continued client support across the policy term. XPrivate Liability Insurance i
Private Liability Insurance
4.5% – 9% of the Premium Commission is based on agreements with insurers, with 60% paid to Vita Finance. Enables tailored coverage selection and full-service support during claims. XHealth Insurance i
Health Insurance
CHF 70 (Basic) up to 16 Monthly Premiums (Supplementary) Regulated by Swiss law. Vita Finance adheres strictly to federal guidelines. Compensation varies depending on product type and provider. For certain insurers, we also receive a fixed commission for a 3-year support period: CHF 250 from Swica, CHF 180 from Visana, and CHF 150 from Sympany. XTechnical Insurance i
Technical Insurance
4.8% – 9% of the Premium Advisory services are brokered via Procare Vorsorge AG. Vita Finance receives 60% of the commission to support expert advice and long-term client service. XTransport Insurance i
Transport Insurance
9.00% of the Premium Commission is fixed, with 60% passed on to Vita Finance. Covers needs-based insurance selection, ongoing policy support, and claim handling. XMotor Vehicle Insurance i
Motor Vehicle Insurance
2.4% – 9% (Liability) / 4.8% – 9% (Comprehensive) Split by insurance component. Vita Finance receives 60% of the total commission via Procare. Full-service support across all vehicle modules is included. XLegal Protection Insurance i
Legal Protection Insurance
CHF 20 – CHF 450 per Policy Commission varies by product structure and coverage. Supports policy guidance, product fit, and full legal support assistance throughout the coverage term. XAccident Insurance (UVG / UVG-Z) i
Accident Insurance (UVG / UVG-Z)
2.4% – 10.5% (UVG) / 4.5% – 12% (UVG-Z) Brokering via Procare Vorsorge AG. Vita Finance receives 60% of the total. Commissions support complete advisory, policy setup, and post-contract service. XSickness Benefit Insurance i
Sickness Benefit Insurance
6% of the Premium Fixed commission model. Vita Finance receives 60% via Procare. This fee covers advisory services, claims guidance, and policy management throughout the term. XPrivate Pension
Private Pension
2% – 5% of the Premium Applies mainly to pension-related life insurance products. Commission depends on product structure and duration, covering advisory, setup, and ongoing reviews. XInsurance Companies (Commission by Provider)
Helsana i
Helsana
For basic insurance, we receive a flat CHF 70 per policy, including cross-border commuter plans. Supplemental insurance pays up to 16 monthly premiums depending on the product. Commission is fully canceled if the policy ends within 12 months. XVisana i
Visana
For Visana, we receive CHF 70 for the basic insurance. If a client takes out both basic and supplemental insurance, we receive a commission of 16 net monthly premiums for the supplemental coverage, plus an additional service fee of CHF 180. If only supplemental insurance is concluded, the commission is typically 12 net monthly premiums. If the policy is cancelled within 12 months, the entire commission is revoked. XPax i
Pax
In private pension solutions, we receive a commission based on the following formula: annual premium × contract duration (in years, depending on the product, max. 20 to 40 years) × 50‰. Depending on total production volume, an additional compensation of up to 4‰ may be granted. XGenerali i
Generali
For private pension products with Generali, we receive a commission of 44‰ of the total production volume, which is calculated as the annual premium multiplied by the contract duration (maximum 35 to 45 years, depending on the product) and a specific crediting rate. Depending on overall production volume, an additional commission of 0 to 7‰ may be granted. For legal protection insurance, we receive 18.125% of the net annual premium multiplied by the number of contract years. In addition, we receive the following commissions for other insurance products: 7.5% for daily sickness benefit (KTG), 8.5% for motor vehicle insurance (MF), 15% for Modula, 15% for Prisma / Casa, 15% for Technica / Montage, 15% for individual accident insurance, and 6.5% for UVG-O / UVG-Z. XCSS i
CSS
We receive CHF 70 for basic health insurance. For supplementary products, 12–16 net monthly premiums are paid depending on the term and upgrades. Short-term cancellations reduce or eliminate commissions. XInnova i
Innova
Most supplementary plans pay up to 16 monthly premiums. Certain hospital insurances are capped at 10 or 12. Travel insurance pays 5. A 5% ongoing commission applies for managed portfolios above 96% retention. XGroupe Mutuel i
Groupe Mutuel
We receive 16 net monthly premiums for the following supplementary products: AB, AD, AJ, AM, BH, GL, GM, GP, GX, HB, HC1, ID, KH, KP, SD, and SO. For DA, GB, GF, GK, GO1, GO2, HS, MU, SA, Safety Pro, SC, and SP, the commission is 12 net monthly premiums. For DP, HC2, HC3, HC4, GO3, and GO4, we receive 6 net monthly premiums. No commission is paid for DK, GC, GI, and SB. Short-term cancellations may reduce or completely revoke the commission. XSwica i
Swica
We receive CHF 70 for basic health insurance and up to 16 net monthly premiums for supplementary insurance. If both basic and supplementary insurance are concluded together, we receive an additional CHF 250 as a service fee for a 3-year support period. Short-term cancellations may reduce or eliminate the commission. XKPT i
KPT
We receive CHF 70 for basic health insurance. For supplementary insurance, we receive 16 net monthly premiums for Pulse, 12 net monthly premiums for all other products, except for dental insurance, where we receive 6 net monthly premiums. Short-term cancellations may reduce or eliminate the commission. XÖKK i
ÖKK
Basic coverage pays CHF 70. Supplemental insurance pays 12–16 monthly premiums based on product. Cancellation within 12 months results in full commission loss. XConcordia i
Concordia
We receive CHF 70 for basic plans (under age 65). Supplementary policies typically pay 12 monthly premiums. If a certain number of new clients are enrolled, we may receive up to 3 additional monthly premiums as a bonus. Commission is canceled for short-term cancellations. XAssura i
Assura
Basic insurance pays CHF 70. Supplementary products pay 15 monthly premiums, with some products like Denta Plus capped at 12. Early cancellations lead to commission forfeiture. XSwiss Life i
Swiss Life
For private pension products, we receive a commission of 44‰ of the total production volume, calculated as the annual premium multiplied by the contract duration (in years) and a fixed rate. The maximum contract duration depends on the product. Depending on total production volume, we may also receive an additional 0–5‰ as a bonus. XSanitas i
Sanitas
We receive CHF 70 for basic health insurance and up to 16 net monthly premiums for supplementary insurance. Short-term cancellations may reduce or eliminate the commission. XLiechtenstein Life i
Liechtenstein Life
For private pension products, we receive a commission of 45‰ of the total production volume, calculated as the annual premium multiplied by the contract duration (in years) and a fixed rate. The commission is paid out monthly on a pro rata basis over 36 months. In the case of short-term cancellations, the remaining commission payments are discontinued and already paid amounts may be reclaimed. XAXAi
AXA
For private pension products, we receive a commission of 46‰ of the total production volume, calculated as the annual premium multiplied by the contract duration (in years) and a fixed rate. The maximum contract duration depends on the product. In the case of short-term cancellations, the commission may be reduced or reclaimed. XDie Mobiliari
Die Mobiliar
For products with die Mobiliar, the commission varies significantly depending on the specific product and various client-related factors. The exact commission can only be confirmed after the contract is issued, as this information is not available to us in advance. In the case of short-term cancellations, the commission may be reduced or fully revoked. XSympanyi
Sympany
We receive CHF 70 for basic health insurance and up to 16 net monthly premiums for supplementary insurance. If both basic and supplementary insurance are concluded together, we receive an additional CHF 150 as a service fee for a 3-year support period. Short-term cancellations may reduce or eliminate the commission. XUnderstanding Your Commission Structure
Transparency matters. If you’d like to know the exact commission generated through your insurance contract, simply fill out the form. You’ll receive a personalized breakdown detailing the applicable commission range, payout terms, and any reduction clauses based on your insurer and product.
We review every request with care and respond promptly.
Request for Detailed Commission Information
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