Sustainability strategy and targets

The sustainability strategy is an essential component of the current “Swiss Life 2027” Group-wide programme. The focus is on four fields of action: Swiss Life’s business behaviour, its role as an asset owner and manager, the way it runs its insurance and advisory business and its role as an employer. Through these fields of action, Swiss Life makes a direct contribution to people’s lives, to society and to the environment.

In its sustainability strategy, Swiss Life focuses specifically on those areas in which it can exert a direct influence and make an impact. The company has therefore set itself the following goals:

1. In its operational ecology, CO₂ emissions per FTE are to be reduced by 50% by 2027 compared to 2019. This will primarily be achieved by an adjustment of business travel and further improving energy efficiency. Swiss Life will also continue to invest in certified climate change mitigation projects in its core markets in order to offset any unavoidable emissions arising from its business activities.

2. In its sphere of influence as asset owner and manager, Swiss Life intends to achieve a 20% reduction in the carbon intensity of real estate held directly for investment purposes by 2030 compared to 2019. In addition, the carbon footprint of the corporate bond portfolio is to remain below the relevant benchmark. The company intends to maintain its current strong ESG risk management approach, while seizing business opportunities in the area of ESG.

3. In the area of insurance products and advisory, Swiss Life aims to seize value-creating opportunities by developing sustainability offerings. Swiss Life intends to continue meeting customer demand for sustainable products and solutions going forward, while ensuring that the advisory processes and its advisors’ sustainability competencies fulfil customer expectations in terms of sustainability.

Sustainability targets up to 2027

Progress towards achieving the targets is reviewed at least once a year and communicated to the Board of Directors, the Corporate Executive Board, and internal and external stakeholders. As at the end of 2025, Swiss Life is on track to achieve its targets:

• In the context of its business behaviour, it reduced CO₂ emissions per FTE by almost 50% between 2019 and 2025. Since 2022, Swiss Life has also invested in a number of certified climate change mitigation projects in its core markets to offset measured, unavoidable operational emissions.
• In its role as an asset owner and manager, Swiss Life has already reduced the carbon intensity of its directly held real estate to 14.7  kg CO₂ equivalents per square metre of gross floor area in 2025. Swiss Life is well on track to achieve a 20% reduction in the carbon intensity of its directly held real estate by 2030 compared to 2019.
• Regarding its offering of sustainable insurance products and investment solutions, Swiss Life is guided by demand conditions in its core markets. Through the work of its advisors, Swiss Life understands and caters to the sustainability preferences of its customers.