Legal Information

Liability Disclaimer FINMA and Cicero Registration Compensation

Liability Disclaimer

The information on this website has been prepared with great care. However, we make no guarantees regarding the accuracy, completeness, or currentness of the content. All use is at your own risk. Vita Finance accepts no liability for any loss or damage resulting from reliance on the information provided. We reserve the right to update or modify content at any time.

FINMA and Cicero Registration

Our company is officially registered as an independent insurance intermediary with FINMA and is listed in the Cicero registry as a certified insurance advisor.

Company Registration: FINMA Number: F01206762

Registration Numbers of Our Advisors

Our Advisors

Thomas Heinzelmann

FINMA No. F01457186

Fabio Machado

FINMA No. F01457190

Elson Sinani

FINMA No. F01471201

John Cerejo

FINMA No. F01457184

Francesco Musio

FINMA No. F01492687

Roger Lipp

FINMA No. F01206782

Flamur Prendi

FINMA No. F01457915

René Keller

FINMA No. F00117077

Compensation

Our advisory services are fee-based and independent. We receive compensation through commissions paid by the insurance providers. The structure and amount of these commissions depend on the product category and the specific insurer.

Insurance Products (Commission Range)

Property Insurance i

Property Insurance

3.15% – 9% of the Premium Commission shared with Procare Vorsorge AG (60% to Vita Finance). Covers consultation, product recommendation, and continued client support across the policy term. X

Private Liability Insurance i

Private Liability Insurance

4.5% – 9% of the Premium Commission is based on agreements with insurers, with 60% paid to Vita Finance. Enables tailored coverage selection and full-service support during claims. X

Health Insurance i

Health Insurance

Up to CHF 70 (Basic) / Up to 16 Monthly Premiums (Supplementary) Regulated by Swiss law. Vita Finance adheres strictly to federal guidelines. Compensation varies depending on product type and provider. X

Technical Insurance i

Technical Insurance

4.8% – 9% of the Premium Advisory services are brokered via Procare Vorsorge AG. Vita Finance receives 60% of the commission to support expert advice and long-term client service. X

Transport Insurance i

Transport Insurance

9% of the Premium Commission is fixed, with 60% passed on to Vita Finance. Covers needs-based insurance selection, ongoing policy support, and claim handling. X

Motor Vehicle Insurance i

Motor Vehicle Insurance

2.4% – 9% (Liability) / 4.8% – 9% (Comprehensive) Split by insurance component. Vita Finance receives 60% of the total commission via Procare. Full-service support across all vehicle modules is included. X

Legal Protection Insurance i

Legal Protection Insurance

CHF 20 – CHF 450 per Policy Commission varies by product structure and coverage. Supports policy guidance, product fit, and full legal support assistance throughout the coverage term. X

Accident Insurance (UVG / UVG-Z) i

Accident Insurance (UVG / UVG-Z)

2.4% – 10.5% (UVG) / 4.5% – 12% (UVG-Z) Brokering via Procare Vorsorge AG. Vita Finance receives 60% of the total. Commissions support complete advisory, policy setup, and post-contract service. X

Prevention i

Prevention

2% – 5% of the Premium Applies mainly to pension-related life insurance products. Commission depends on product structure and duration, covering advisory, setup, and ongoing reviews. X

Sickness Benefit Insurance i

Sickness Benefit Insurance

6% of the Premium Fixed commission model. Vita Finance receives 60% via Procare. This fee covers advisory services, claims guidance, and policy management throughout the term. X

Insurance Companies (Commission by Provider)

Helsana i

Helsana

For basic insurance, we receive a flat CHF 70 per policy, including cross-border commuter plans. Supplemental insurance pays up to 16 monthly premiums depending on the product. Commission is fully canceled if the policy ends within 12 months. X

Visana i

Visana

We receive CHF 70 for basic insurance. For supplemental products, compensation typically equals 12 net monthly premiums. Policies canceled within 12 months result in full commission cancellation. X

Pax i

Pax

The commission structure for Pax is currently being prepared. For inquiries, our advisory team can offer individual clarifications upon request. X

Generali i

Generali

Generali’s commission breakdown will be published shortly. In the meantime, our advisors are available to address specific client queries. X

CSS i

CSS

We receive CHF 70 for basic health insurance. For supplementary products, 12–16 net monthly premiums are paid depending on the term and upgrades. Short-term cancellations reduce or eliminate commissions. X

Innova i

Innova

Most supplementary plans pay up to 16 monthly premiums. Certain hospital insurances are capped at 12. Travel insurance pays 5. A 5% ongoing commission applies for managed portfolios above 96% retention. X

Groupe Mutuel i

Groupe Mutuel

Commission details are forthcoming. Our team is ready to assist with personal queries in the interim. X

Swica i

Swica

We are finalizing data for Swica’s commission structure. Clients may request details directly from our team during this time. X

KPT i

KPT

CHF 70 is paid for basic insurance. Supplemental plans pay 50–100% of the annual premium depending on product type. Full commission is canceled for early terminations. X

ÖKK i

ÖKK

Basic coverage pays CHF 70. Supplemental insurance pays 12–16 monthly premiums based on product. Cancellation within 12 months results in full commission loss. X

Concordia i

Concordia

We receive CHF 70 for basic plans (under age 65). Supplementary policies typically pay 12 monthly premiums. Additional bonuses apply for bundled purchases. Commission is canceled for short-term cancellations. X

Assura i

Assura

Basic insurance pays CHF 70. Supplementary products pay 15 monthly premiums, with some products like Denta Plus capped at 12. Early cancellations lead to commission forfeiture. X

Baloise i

Baloise

Detailed commission info is being prepared for release. Personalized support is available for clients needing immediate information. X

Swiss Life i

Swiss Life

Swiss Life commission structures are under review and will be published soon. Advisors are on hand to handle individual questions until then. X

Sanitas i

Sanitas

Sanitas-related commission information is being finalized. Please reach out to our advisors for interim support. X

Liechtenstein Life i

Liechtenstein Life

We will publish the complete commission details for Liechtenstein Life shortly. Clients seeking specifics can consult with our team directly. X

helvetiai

helvetia

Helvetia's commission structures are currently under review. While specific details are being finalized, our advisory team is available to provide personalized information upon request. X

AXAi

AXA

AXA's commission details are in the process of being updated. In the interim, clients seeking specific information can consult directly with our advisors for tailored guidance. X

Die Mobiliari

Die Mobiliar

The commission structure for Die Mobiliar is being prepared for publication. For immediate inquiries, our team is ready to offer individualized support and information. X

Sympanyi

Sympany

Sympany's commission details are currently being compiled. Clients interested in specific information are encouraged to reach out to our advisors for personalized assistance. X

Understanding Your Commission Structure

Transparency matters. If you’d like to know the exact commission generated through your insurance contract, simply fill out the form. You’ll receive a personalized breakdown detailing the applicable commission range, payout terms, and any reduction clauses based on your insurer and product.

We review every request with care and respond promptly.