Fiduciaries & accountants
Starting a business, hiring a first employee or reviewing an independent professional’s pension arrangements.
PROFESSIONAL PARTNERSHIPS
Your clients.
A trusted connection.
Bring your clients a dedicated contact for insurance and pensions in Switzerland. You make the introduction; I take care of the advice.
COMPLEMENTARY EXPERTISE
A partnership that fits your activity.
Property agencies & managers
A move or a property purchase: a moment to review household, liability and family protection needs.
Relocation & HR professionals
Settling in Switzerland, supporting an international family or reviewing employee insurance needs.
Business advisers & networks
A client or contact has a question outside your expertise and would value an introduction.
A CLEAR PROCESS
An introduction. A personal follow-up.
Let’s get acquainted
We discuss your activity, your clients’ needs and the proposed scope of our collaboration.
Agree the terms first
We check the applicable requirements and insurer agreements, then set out the roles and any remuneration in writing.
Make an agreed introduction
Your client contacts me directly or agrees in advance to the sharing of their contact details. No insurance advice is expected from you.
I handle the advice and follow-up
I assess the needs, explain suitable options and handle the application process. Any update to you respects the client’s agreement and confidentiality.
REMUNERATION TO BE AGREED
A collaboration with clear terms.
Subject to eligibility and prior written agreement.
Any referral remuneration is assessed individually. Its availability and terms depend on Swiss law, applicable regulatory requirements and the agreements with the insurers concerned.
This possibility is assessed case by case, after checking the applicable rules, your professional obligations and the agreements with the insurers concerned. No product or partner is automatically eligible.
Before any referral, a written agreement must specify eligible products, the rate and calculation basis, payment conditions and any repayment following cancellation or a commission clawback. Health insurance is subject to additional remuneration limits.
This page invites a discussion and does not create any entitlement to payment. Any collaboration remains subject to prior verification of the applicable conditions. It does not imply approval by FINMA.
YOUR QUESTIONS
Clear from the start.
Do I need to advise on insurance?
No. This model is limited to an introduction. I handle needs assessment, product recommendations and applications. If you intend to advise on or help conclude contracts, a different regulatory assessment is required.
Does my client remain free to choose?
Yes. An introduction creates no obligation to buy insurance. My advice must reflect the client’s needs and interests.
Must my client know about the referral fee?
The collaboration must be transparent. We clarify the applicable information duties and any conflicts of interest. Depending on your mandate, a fee may belong to your client unless they validly waive repayment after receiving sufficient information. A partnership agreement alone does not replace that step.
How do we protect client information?
Your client may contact me directly. Otherwise, obtain their prior agreement to share only the details needed for the introduction. Do not send medical information, insurance documents or other confidential records through the partnership form.
Is referral remuneration automatic?
No. Any remuneration depends on prior verification of legal and contractual requirements and on a written agreement. No amount or payment is guaranteed.
Regulatory references: FINMA — insurance intermediaries · Health insurance industry agreement (French).
LET’S GET ACQUAINTED
Let’s explore the possibilities.
Tell me about your activity and the clients you support. We can discuss a collaboration suited to your practice.
Mathias Sudres
Insurance & Pension Adviser
No obligation · French or English