Background.
Nicole is registered in the FINMA intermediary register as FINMA F01536402. She spent 7 years as a pension-planning and insurance specialist at Basler Versicherung, followed by 2 years at Zurich Insurance. She then became self-employed and joined Expat Savvy as a consultant for life-insurance, 3rd-pillar, and tax-optimization questions.
That insurer-side background matters because life insurance is rarely a simple product question. The useful question is whether the household has a real protection gap after BVG, accident cover, savings, children, debt, permit status, and likely time in Switzerland are read together.
Life insurance belongs in the plan only when someone depends on the income. The contract has to answer that situation, not decorate the portfolio. — Nicole Bohne
What Nicole works on.
Four families of question, run in 45-minute consultations. Protection first, tax second, product last.
Term life & protection
Income dependency, children, debt, partner risk, and what the BVG survivor benefits already cover.
Insurance-wrapped 3a
When premium waiver or disability protection earns its place, and when banking 3a is cleaner.
Tax optimization
Federal, cantonal, and communal tax effect against the household, not a generic deduction table.
Existing contracts
Premium load, surrender value, disability clauses, beneficiary wording, and whether the contract still fits.
Recent writing.
Nicole's archive will grow as the life-insurance and 3a pages move into her voice.
Languages.
Nicole works in German, English, and French.
Get in touch.
A first review with Nicole is free, in English, German, or French, by video call. Bring existing life-insurance contracts, 3a statements, salary and BVG information, and the household question you want answered.