Legal information

Thank you for beeing interested in the PrismaLife website.

By accessing our website, you acknowledge the following legal notices related to this site, its subpages, and the content published therein. Please note that we may update these legal notices at any time. We therefore recommend that you review them regularly to stay informed of any changes.

1. Content and Access

PrismaLife AG has created the contents of its websites to the best of its knowledge and has compiled the contents carefully. The information is constantly checked and updated. The information published on the PrismaLife websites constitutes neither a recommendation nor an offer nor a solicitation to purchase or sell insurance or investment instruments, to conduct transactions or to conclude any other legal transaction.

PrismaLife AG reserves the right to change, supplement, or remove the information on its websites at any time without prior notice. PrismaLife AG also reserves the right to block access to these pages or parts of its system at any time and to restrict their use partially or entirely.

2. Disclaimer

PrismaLife AG expressly excludes any liability for losses or damages of any kind — whether direct, indirect, or consequential — that may result from the use of (e.g., downloaded documents from) or access to the PrismaLife websites, or from links to third-party websites. PrismaLife AG also disclaims any liability for unauthorized manipulation of the user’s IT system. In this context, PrismaLife AG explicitly points out the risk of viruses and the possibility of targeted hacker attacks. To protect against viruses, it is recommended to use up-to-date browser versions and continuously updated antivirus software.

3. Disclaimer of Warranty

PrismaLife AG has carefully prepared the content of its websites and ensured it was created with due diligence. The information is continuously reviewed and updated. The information published on the PrismaLife websites does not constitute a recommendation, an offer, or an invitation to purchase or sell insurance or investment products, to carry out transactions, or to conclude any other legal agreements.

4. Copyright

All elements of the PrismaLife AG websites are protected by copyright (all rights reserved) and are the exclusive property of PrismaLife AG. Accessing, duplicating, storing, or editing content (text, images, graphics, audio, video, or animation files) from the websites, in whole or in part, is permitted solely for private use. Any full or partial reproduction of these elements in any form — electronic or written — requires the express consent of PrismaLife AG.

Copyright notices, trademarks, and other legally protected designations must not be altered or removed. Full or partial reproduction or use for public or commercial purposes is prohibited without the prior written consent of PrismaLife AG. Third-party copyrights remain reserved.

5. Trademarks and logos

The trademarks and logos used on the PrismaLife websites are legally protected. According to copyright law, the product names mentioned on the PrismaLife websites are also protected as trademarks. The use of these trademarks without the prior written consent of PrismaLife AG is not permitted. Any infringement will be pursued by the trademark owner.

6. Links to other websites

The PrismaLife AG websites may contain links to third-party websites. These links are provided solely as a service for visitors to the PrismaLife websites. To the extent that additional information is made accessible via links to other servers or websites, PrismaLife AG points out that it does not monitor the content of these sites and expressly excludes any liability for the content or presentation of these pages (see also Section 2). A link does not imply that PrismaLife AG endorses the website, the products displayed there, or any recommendations made on those sites.

7. Creating links

A link to the PrismaLife AG websites may only be established with the prior written consent of PrismaLife AG, provided that the link directs to the homepage www.prismalife.com (no deep links) and does not infringe any rights of PrismaLife AG, in particular copyright, related rights, or trademark rights.

1. Introduction

In Liechtenstein, the second Shareholders’ Rights Directive of the European Union (ARUG II, Directive (EU) 2017/828) has been implemented into national law through the Liechtenstein Persons and Companies Act (hereinafter referred to as the “PGR”). PrismaLife AG (hereinafter “PrismaLife”) is a company conducting life insurance business in Liechtenstein and therefore qualifies as an institutional investor pursuant to Article 367a PGR.

In accordance with Article 367h PGR, PrismaLife is required either to publish its engagement policy in relation to its shareholdings in listed companies on its website or to publicly explain why it has chosen not to do so, or not to do so in full (“comply or explain”).

With regard to investments in listed companies, a distinction must be made between:
a. shares held in PrismaLife’s own portfolio; and
b. shares held by PrismaLife within the framework of unit-linked and fund-linked life or pension insurance solutions on behalf and at the risk of the policyholder(s).

2. Disclosures pursuant to Article 367h PGR – Engagement Policy

2.1 Shares held in the Company’s own portfolio – Disclosures pursuant to Article 367h PGR (excluding unit-linked and fund-linked life insurance)
PrismaLife (PL) does not hold any shareholdings in listed companies. However, PL maintains a direct participation in a joint-stock company. The extent of this participation is minor in relation to the total volume of its investments. For this reason, PL does not adopt or implement an engagement policy within the meaning of Article 367h PGR. Accordingly, no disclosures pursuant to Article 367h PGR are made.

2.2 Shares in the investment portfolios of unit-linked and fund-linked insurance products – Disclosures pursuant to Article 367h PGR
The selection of fund products within the framework of unit-linked life insurance is made directly by the policyholder. With regard to the engagement policy and disclosure requirements, reference is made in this context to the websites of the respective fund management companies.

3. Disclosures pursuant to Article 367i PGR

The objective of PrismaLife’s investment strategy is to ensure the long-term solvency of PrismaLife while achieving distributable returns and fulfilling all obligations towards policyholders at all times.

In principle, pension insurance policies where cover commenced before May 2019 are entitled to a share of surpluses, although this entitlement applies only during the pension phase and not during the savings phase.

Please refer to the General Terms and Conditions of Insurance for your policy for further details.