Consulting protocol - ABES Group AG

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Entry age as a relevant risk characteristic

Entry age

Allocation of the risk class depending on the age of entry

Price: CHF0.00

Internal note

Sum total of all risk characteristics

CHF0.00

Formal requirements for consultation minutes

The advisory protocol for capital-forming insurance policies - qualified life insurance policies - is based on the provisions of Art. 39k ISA (Insurance Supervision Act).

Formal requirements for consultation minutes

The advisory protocol for transaction-related advice is designed in accordance with the provisions of FinSA.

Appropriateness test of individual investment transaction(s) - without taking into account any existing portfolio.

Formal requirements for consultation minutes

The advisory protocol for portfolio-related advice is designed in accordance with the provisions of the FinSA.

Suitability test and comprehensive investment advice / taking into account the client's overall situation - asset management companies are treated in the same way. The information on financial circumstances and investment objectives must be updated regularly in order to comply with the suitability test obligations.

Qualified life insurance policies

Capital-forming insurance policies

This consultation protocol is only for licensed, professionally certified and registered with us. Consultant provided

Transaction-related advice

Appropriateness test according to FIDLEG

This consultation protocol is only for licensed, professionally certified and registered with us. Investment Advisor intended.

Portfolio-related advice

Suitability test according to FIDLEG

This consultation protocol is only for licensed, professionally certified and registered with us. Investment Advisor intended.

Initial situation

Based on the legal provisions pursuant to Art. 39k VAG (Insurance Supervision Act) and for quality assurance purposes, the following points must be discussed and recorded in order to determine the customer's risk capacity and willingness to take out capital-forming insurance.

This consultation protocol is intended to record key criteria without claiming to be exhaustive. The individual consultation and the detailed explanations provided by the advisor are decisive.

Customer details

Salutation *

Title *

First name and surname of the policyholder *

Street and house number *

Postal code *

Residence in Switzerland *

Date of birth *

Priority phone number

1. motives for taking out capital-forming insurance

The following motives and considerations led me to apply for the discussed solution *

Asset accumulation
Securing and preserving existing assets
Planning for financial security in retirement
Optimization of the tax situation
Estate Planning
Housing situation
Other or personal reasons

Enter any other or personal reasons here

2 The following points were discussed during the consultation

Talking points *

The reduced surrender values in the first few years were shown
The differences to pure bank savings were discussed
Applying for a reduction in the premium of an existing policy can trigger a partial surrender loss
Applying to increase the premium of an existing contract may trigger a new health check
Surpluses for endowment policies are not guaranteed

3. the following documents and information were handed over to me or made known to me before the contract was concluded

All of the following questions must be discussed and marked

Documents and information *

Mark all the following questions
I have been informed of the consequences of a breach of the duty of disclosure
I have been informed of the obligation to notify the relevant company of any change in my health prior to final acceptance by the insurer
I have been provided with the statutory information obligations in accordance with the legislation on insurance supervision
I have received the General Terms and Conditions of Insurance and the written product information
I have been informed in detail about the costs of the solution applied for and confirm that the premiums and savings benefits should be affordable for my budget over the term of the contract

4. willingness and ability to take risks

What is your annual gross income? *

Under 75,000
75'000 - 150'000
150'000 - 300'000
Over 300,000

How high are your net assets? *

Under 50,000
50'000 - 100'000
100 000 - 250'000
Over 250,000

Do you have a liquidity reserve of at least 3 months' salary? *

Is a significant professional or personal change planned in the next 5 years? *

Yes, is already known
More likely
Rather unlikely
No

How would you rate your personal experience with investment funds? *

No experience
Basic knowledge
Average experience
Great experience

Which element has priority for you to achieve your goal? *

Security (lower risk and lower expected return)
Focus more on safety
Focus more on returns
Return (higher risk with higher expected return)

Your basic willingness to take risks (describes the willingness to take risks and accept any losses) and your risk capacity (describes the ability to cope with investments made and the associated losses without a significant impact on your standard of living) indicate risk-taking behavior with the following preference:

This investment strategy may be determined and discussed by means of a detailed investor profile based on a comprehensive questionnaire from the respective company.

In this context, please be sure to observe the company's explanations regarding your chosen investment strategy, especially if you are pursuing a strategy that differs from the recommendation. For detailed explanations, please refer to the respective offer from the company, which will be prepared individually on the basis of your information.

5 . Final declaration

Final declarations *

All my questions were answered to my complete satisfaction
I confirm that I have not been guaranteed any returns
I am aware that the performance of investments and their returns depend on various factors that relate to events in the future and are therefore unpredictable
I am aware that securities-linked pension products also contain investments that are subject to market fluctuations and can therefore be volatile
I confirm that the initial contact for my consultation appointment was not based on a cold call
I was informed about the professional qualifications of the consultant

6. date and signatures

Location *

Date

Customer signature *

Clear Signature

First name and surname Policyholder

Policyholder e-mail address *

Location *

Date

Consultant signature *

Clear Signature

First name and surname Consultant *