{"id":3085,"date":"2019-04-27T08:45:04","date_gmt":"2019-04-27T06:45:04","guid":{"rendered":"http:\/\/185.44.157.231\/?page_id=3085"},"modified":"2026-04-08T09:30:54","modified_gmt":"2026-04-08T07:30:54","slug":"strategy","status":"publish","type":"page","link":"https:\/\/www.prismalife.com\/en\/strategy\/","title":{"rendered":"Strategy"},"content":{"rendered":"

Valuable advice – flexible remuneration<\/h1>\n<\/div>
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PrismaLife is the innovative, high-service pension specialist in Liechtenstein for sustainable wealth accumulation. As the leading Liechtenstein life insurer, we offer unit-linked pension products that adapt to personal budgets, combined with the geographical advantages offered by the Principality of Liechtenstein as a modern financial centre in the heart of Europe.<\/div>\n<\/div>\n<\/div>
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For satisfied clients, we rely on qualified advice and the greatest possible transparency with regard to products, remuneration and costs. Since 2008, PrismaLife has been one of the first insurance companies to offer net tariffs for sustainable and transparent asset accumulation. These are insurance tariffs that do not include any acquisition commissions for intermediaries. Instead, clients and intermediaries agree on an individual remuneration for the advisory service. Our customers appreciate the clearly stated advisory fees, which are also repeatedly demanded by consumer protection organisations.<\/p>\n<\/div>\n<\/div>\n<\/div>

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Facts and figures<\/h2>\n<\/div>

Company headquarters<\/p>\n<\/div>

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Ruggell, Liechtenstein<\/p>\n<\/div>

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Management<\/p>\n<\/div>

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Stefan Opel, CEO
\nTobias Moser, CFRO<\/p>\n<\/div>

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Board of Directors<\/p>\n<\/div>

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Dr. Heinz Frommelt, Pr\u00e4sident
\nAlina vom Bruck
\nRalf Sellin<\/p>\n<\/div>

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Foundation<\/p>\n<\/div>

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2000<\/p>\n<\/div>

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Shareholders<\/p>\n<\/div>

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Barmenia.Gothaer Finanzholding AG
\nOnesty Group GmbH<\/p>\n<\/div>

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Business activity \/ Profile<\/p>\n<\/div>

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Insurance stock corporation for unit-linked life insurance and biometric covers<\/p>\n<\/div>

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Products<\/p>\n<\/div>

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PrismaLife Products<\/a><\/p>\n<\/div>

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Group<\/div><\/div><\/div>\"Barmenia\"<\/a><\/span><\/div>
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Annual Reports, SFCR and Sustainability Reports<\/h2>\n<\/div>
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Annual reports<\/h6>\n<\/div>

\ufeff<\/span>Below you will find the annual report of PrismaLife AG.<\/p>\n

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ANNUAL REPORT 2025 (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

ANNUAL REPORT 2024 (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

ANNUAL REPORT 2023 (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

ANNUAL REPORT 2022 (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

ANNUAL REPORT 2021 (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

ANNUAL REPORT 2020 (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

ANNUAL REPORT 2019 (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

ANNUAL REPORT 2018 (PDF, ENGLISH VERSION)\"download\"<\/a><\/p>\n

ANNUAL REPORT 2017 (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

ANNUAL REPORT 2016 (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n<\/div>\n<\/div>

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SFCR<\/h6>\n<\/div>

Pursuant to Art. 51 of the Solvency II Directive 2009\/138\/EC, PrismaLife publishes reports on its solvency and financial condition (Solvency and Financial Condition Report \u2013 SFCR).<\/p>\n<\/div>

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SFCR 2025 PrismaLife AG (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

SFCR 2024 PrismaLife AG (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

SFCR 2023 PrismaLife AG (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

SFCR 2022 PrismaLife AG (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

SFCR 2021 PrismaLife AG (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

SFCR 2020 PrismaLife AG (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

SFCR 2019 PrismaLife AG (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

SFCR 2018 PrismaLife AG (PDF, ENGLISH VERSION)\"download\"<\/a><\/p>\n

SFCR 2017 PrismaLife AG (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n

SFCR 2016 PrismaLife AG (PDF, GERMAN VERSION)\"download\"<\/a><\/p>\n<\/div>\n<\/div>

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Sustainability Report<\/h6>\n<\/div>

Starting with the 2024 financial year, PrismaLife will be included in the Sustainability Report of the BarmeniaGothaer Group. The Group Management Report contains a detailed, consolidated non-financial statement in accordance with the requirements of the Corporate Sustainability Reporting Directive (CSRD) and the provisions of the Taxonomy Regulation.<\/p>\n<\/div>

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BarmeniaGothaer Sustainability Report 2024\"download\"
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ESG Magazine<\/h6>\n<\/div>

The ESG Magazine outlines PrismaLife\u2019s position on one of its strategic pillars and is published on a voluntary basis.<\/p>\n<\/div>

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PrismaLife ESG Magazine\"download\"
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Investing sustainably following ESG-criterias<\/h2>\n<\/div>

In a constantly changing (financial) world the topic of investing sustainably becomes more and more relevant to investors. Money investments according to the so called ESG-criterias (Environment, Social, Governance) is more to us than pure philantropy. It bases on an evaluation and a forecast of return of investments and takes for instance into account the regulatory framework such as the Paris Agreement on climate protection and the goals of the UNO for sustainable developments.<\/p>\n<\/div>

\"arrow Additional Information<\/a><\/span><\/div>\n<\/div>
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International products for sophisticated demands<\/h2>\n<\/div>

By positioning ourselves as a competence centre for international life insurance products, we define our clear strategic role in the cooperation with Barmenia Lebensversicherung. PrismaLife AG is expanding into new markets with customised products that are tailored to the individual needs of our customers. Our internationally positioned team has extensive global expertise.<\/p>\n<\/div>

The Principality of Liechtenstein offers us an excellent starting point for entering new markets, as well as attractive investment opportunities in a stable economic and political environment.<\/p>\n<\/div>

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Liechtenstein’s location advantage<\/h2>\n<\/div>

As a Liechtenstein company, we offer attractive investment options in a stable economic and political context. The Principality of Liechtenstein with its triple-A rating additionally affords us and thus our customers a clear location advantage in reference to the EU markets and Switzerland.<\/p>\n<\/div>

Liechtenstein as a business location is broadly diversified, benefits from liberal economic policy and has very good infrastructure. The compact size enables short decision-making paths. With the Swiss franc as the country’s currency, Liechtenstein has one of the most stable currencies in the world.<\/p>\n<\/div>

ADDITIONAL INFORMATION ON LIECHTENSTEIN\"link<\/a><\/span><\/div>\n<\/div>
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\u00a9 Liechtenstein Marketing<\/p>\n<\/div>

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Our engagement<\/h2>\n<\/div>
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Memberships<\/h5>\n<\/div>
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Sponsoring<\/h5>\n<\/div>
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Our motivation<\/h5>\n<\/div>

Especially in times of constant transformation, exchange within the industry is of crucial importance. For this reason, PrismaLife AG is actively involved in various associations, is a member of specialist working groups and maintains close relationships with renowned universities.<\/p>\n

However, it is not only the transfer of knowledge that is important, but also social commitment. As part of our sustainability strategy, we are committed to supporting social projects and thereby making a positive contribution to society in the long term.<\/p>\n

We are firmly convinced that our professional commitment and assumption of social responsibility contribute to sustainable corporate success.<\/p>\n<\/div>

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