Swiss Life's innovative modular system lets you design your own global programme by selecting the combination of pooling options that best suit your company's specific needs and risk profile.

• Choice of loss carry forward amortisation period
• Annual partial write-off of losses carried forward
• Limitation of losses carried forward
• Self-retention of risk
• Contingency fund
• Catastrophic risk cap
• Waiver or liberalization of medical evidence requirements
• Choice of accounting period.

Swiss Life's approach allows you to change the parameters of your pool as your circumstances require. Whichever options you choose, you can be confident of always receiving excellent local service and full information at the international level.

To set up a client-specific pool, you must meet the following requirements:

• Two contracts with a total of over 100 lives
• Over CHF 250,000 poolable periodic premium