5 Insurance risk
The swisspartners Group with its business units in the Principality of Liechtenstein and on the Cayman Islands writes solely fund-linked life insurance policies for wealthy private clients. These fund-linked life insurance policies generally comprise a mixed form of life insurance, which provides the policyholder with more flexibility in the investment process. Consequently, the policyholder also bears the investment risk and benefits from any investment performance.
With the exception of a small own risk amount, the risks in the event of death are completely reinsured. The reinsurers have at least an «AA-» rating from Standard & Poor's and the default risk associated with them is regularly checked.