Responsible Corporate Conduct — Swiss Life is committed to helping people create a financially secure future. This commitment goes beyond the scope of its actual business activities. Swiss Life commits itself socially, involves itself in political debate and is mindful of its carbon footprint. It sees itself as looking to the long term with the focus on the individual.

Clients, partners, employees and shareholders place their trust in Swiss Life. Responsible corporate conduct is part and parcel of Swiss Life’s culture and is based on five corporate values which guide employee behaviour: expertise, proximity, openness, clarity and engagement. Adherence to these principles is a prerequisite for legally and ethically correct business conduct and for financial profitability. It is also, however, central to Swiss Life’s social, political and environmental commitment.

Society — In 2009, the Perspectives Foundation, which Swiss Life founded on the occasion of its 150th anniversary in 2007, donated approximately CHF 1 000 000 to support charitable initiatives in health, science, education, culture and sport, as well as humanitarian causes. One of the institutions supported in 2009 was the ENTERPRISE Foundation which awards the ENTERPRIZE for exemplary corporate behaviour in occupational training.

In France, the Fondation Swiss Life commenced its activities in 2009. The foundation focuses on projects and commitments in the field of health, supporting for instance the Institut Curie, a hospital and research facility devoted to the fight against cancer. The foundation also supports other charitable projects which are managed by Swiss Life employees.

Since 2007, Swiss Life in Germany has been supporting the Nicolaidis Foundation, a non-profit organisation for widows, widowers and their children. In particular, the foundation supports children’s and youth projects with a focus on creativity and experiential learning.

Last year, the Private Placement Life Insurance unit dispensed with gifts for business partners and instead donated a large sum of money to the Lo Tedhal hospice in Brazil which provides treatment for pain and palliative care to advanced cancer patients and aims to give them a better quality of life.

The AWD Group has committed itself for many years to social, scientific and cultural causes. The AWD-Stiftung Kinderhilfe Foundation, established in 1991, is essentially run by AWD Group advisors and employees, and helps improve the life chances and development opportunities of disadvantaged children. The foundation continued its major medical aid project in West Africa in 2009. The Noma project in Sokoto is dedicated to the education and surgical rehabilitation of victims of a disease caused by a mixed infection which results in serious facial defects. The AWD-Stiftung Kinderhilfe Foundation also funded life-saving operations in collaboration with other foundations, and supported important projects in Kyrgyzstan, the Czech Republic and Slovakia. The foundation was also active in Germany, Austria and Switzerland.

Politics — For retirement provisions to function effectively, account must be taken of current demographic and economic challenges. Thus, Swiss Life is involved at various levels of the political debate. Swiss Life also supports politically active employees who volunteer for public office, thus helping to strengthen the tradition of providing service to the community.

In Germany, at the Salon Palais Leopold series of events held several times a year in Munich, decision makers from the worlds of business, politics, academia and the media engage in regular dialogue on key social and political issues. Since 2007, Swiss Life has provided a platform for dialogue at its Munich Specialist Forum series of events for corporate clients, business partners and experts working in the occupational pensions field. The third German Swiss Life Pension Day in October 2009 also enjoyed broad public interest.

Environment — Swiss Life has been committed to conserving natural resources for many years. The company is a founding member of the Swiss Climate Foundation which supports energy efficiency enhancement and climate protection measures in small and medium-sized companies (SMEs) in Switzerland. As a member of the Energy Model Zurich, Swiss Life aims to increase energy efficiency in its Zurich location by at least 1.5% per year and to steadily reduce its energy consumption and emissions. Since 2006, Swiss Life has been using power from renewable energy sources, enabling it to reduce its CO 2 emissions by 4650 tonnes.

Another environmental initiative was the installation of efficient water supply fittings in the Zurich offices at the end of 2009, enabling Swiss Life to save five million litres of water per year. Saving water is also important at rental properties. As the leading real estate owner in Switzerland, Swiss Life fitted registering devices to calculate usage-based water costs in almost 10000 of its rental properties in regions with high water costs over a period of five years. Studies show that water consumption has been reduced by an average of 20% as a result. Energy efficiency is very important in new buildings too. Two projects, the “Gerstenpark” in Rheinfelden, Canton Aargau, and the “Trio” residential and commercial development in Dietikon, Canton Zurich, were built in accordance with the MINERGIE certification standard for low-energy buildings.

Swiss Life in France has committed itself to the recommendations of the Charte de Développement Durable (Charter for Sustainable Development). Since 2008, Swiss Life in Germany has been taking part in the climate protection programme “ECOPROFIT” – a joint initiative of the city of Munich and the Chamber of Commerce and Industry, and was designated a “Münchner ÖKOPROFIT-Betrieb” (Munich ECOPROFIT-certificated company) for its exceptional commitment to corporate environmental protection. As a result of sustainable economic activities, Swiss Life was able to save approximately 91000 kWh of energy at its Munich location during 2007-2008, reducing CO2 emissions by 58.3 tonnes. This corresponded to cost savings of more than EUR 500000. The successful sustainable measures included in the ECOPROFIT project were continued in 2009 and supplemented by further initiatives.

Sustainability is also gaining in importance in investment operations. In Switzerland, the Swiss Life subsidiary Swiss Life Asset Management, in collaboration with SAM Sustainable Asset Management, has been offering sustainable investments since 2005. This investment concept, using mixed mandates for institutional investors, selects both equities and bonds for their economic, ecological and social added value. In addition, Swiss Life offers a sustainable fund Swiss Life Fund (LUX) Equity Global Sustainability, and its unit-linked life insurance includes three sustainable fund portfolios (Eco).

 
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