At SeniorInsuranceAdvisor, our business model is designed around one fundamental principle: delivering specialized, trustworthy insurance consulting exclusively for the senior community in Switzerland. As the needs of older adults evolve—whether through retirement, relocation, health changes, or estate planning—insurance becomes both more essential and more complex. Our goal is to eliminate confusion, reduce costs, and ensure that every client enjoys retirement with the right protections in place.
Rather than selling policies directly, we operate as a completely independent, client-centric advisory firm. We are not tied to any insurance provider. This means we work for our clients—not commissions—and our recommendations are based solely on what benefits them most. We offer transparent, flat-fee advisory services that guide seniors through Switzerland’s layered insurance ecosystem, from mandatory basic health plans to niche home, life, and travel coverages.
Service Structure and Core Offerings
Our model is based on three interlocking pillars that deliver value to our clients before, during, and after key insurance decisions:
1. Personalized Insurance Consulting
Our core offering is one-on-one consulting, where we assess a client’s life situation, review existing insurance policies, and craft personalized recommendations. These consultations are conducted either in person, via video call, or phone—whatever suits the client's comfort level.
Services include:
Comparative analysis of basic and supplemental health plans
Evaluation of life insurance or end-of-life policies
Review of home, rental, and personal liability insurance
Assistance with international insurance for part-time residents
Policy optimization for couples, widows, and caregivers
Review of long-term care or disability insurance options
We don’t sell policies—we equip our clients with knowledge and confidence.
2. Documentation and Enrollment Assistance
Many older clients face administrative difficulties when dealing with insurers. Our team helps them overcome these hurdles by offering hands-on support with:
Preparing and submitting applications
Cancelling redundant or overpriced policies
Translating and explaining insurance communications
Managing paperwork for claims, appeals, or benefit changes
Acting as liaison during policy switchovers or updates
For clients with reduced mobility or digital literacy, we offer home visits and postal support to ensure full accessibility.
3. Long-Term Advisory and Relationship Support
Beyond transactional advice, we serve as long-term partners for our clients and their families. Whether clients move to a new canton, develop a medical condition, or undergo a change in marital status, we help them reconfigure their insurance as their lives evolve.
Key services include:
Annual policy reviews
Tax season insurance document preparation
Coordination with financial planners and estate attorneys
Assistance for adult children managing parents’ coverage
Emergency policy consultation during hospitalization or loss
Revenue Streams
Our business model is entirely fee-based, ensuring objectivity and avoiding hidden agendas. We generate revenue through the following structures:
1. Flat-Fee Consulting Packages
We offer clearly defined, value-based packages that align with the scope of the client’s needs:
Basic Review Package (CHF 150): 30-minute consultation + written evaluation of up to 3 policies
Full Planning Package (CHF 450): 1-hour session + complete policy audit and side-by-side plan comparison
Premium Advisory Package (CHF 950): Includes enrollment assistance, claims setup, and ongoing support for 12 months
2. Hourly Advisory Services
For highly personalized cases, we offer billing by the hour:
CHF 180/hour (standard rate)
CHF 120/hour (retired low-income rate, by request)
CHF 250/hour (urgent / after-hours service)
3. Group Services and Partner Workshops
We partner with senior living centers, retirement organizations, and health cooperatives to offer educational workshops and small group consultations:
In-house insurance education events
Local community seminars and Q&A panels
Partner content licensing (brochures, articles, presentations)
Fees range from CHF 500–2,000 per event, depending on audience size and format.
4. Institutional B2B Partnerships
We are developing relationships with care facilities, pension funds, and financial advisory firms that refer clients to us as part of their retirement planning offerings. These partnerships are built on referral fees, white-label consulting, or shared subscription access to our tools.
Target Market Segments
Our model is tailored to serve a range of individuals and entities:
1. Retired Swiss Citizens (Ages 65+)
Clients who are fully or partially retired and need to optimize or reevaluate insurance based on income shifts, health changes, or family transitions.
2. Pre-Retirement Clients (Ages 55–64)
Those preparing for retirement and seeking forward-looking insurance strategy—including premium reduction, long-term care coverage, and estate protection.
3. Expat and Cross-Border Retirees
Foreign nationals who reside in Switzerland seasonally or permanently, and who need help navigating Swiss and international insurance regulations.
4. Family Members and Caregivers
Adult children, guardians, or legal representatives managing insurance needs on behalf of elderly relatives or dementia patients.
5. Institutional Partners
Senior residences, cantonal community centers, and NGOs that serve the elderly and require insurance education or access for their members.
Value Proposition
Why seniors and their families choose SeniorInsuranceAdvisor:
True independence: We are not tied to insurers, which guarantees honest, conflict-free advice
Senior-centered communication: We speak plainly, patiently, and respectfully—explaining complex options in simple terms
End-to-end support: We don’t stop at advice—we walk with the client through decisions, documents, and adjustments
Multilingual team: All services are available in English, German, French, and Italian
High-trust service: No cold calls, no commissions—just reliable service, transparent pricing, and lifelong trust
Scalability
We plan to expand our services across Switzerland through:
Tele-advisory rollout: Full virtual advisory via phone and video call to reach rural or remote clients
Digital tools: Launching a senior-friendly policy comparison tool and insurance “report card” generator
Community hubs: Partnering with municipal and nonprofit organizations for regional outreach
Franchise or license model: Offering our service blueprint to independent advisors in smaller cantons under strict training and compliance standards
Financial Projections
With Switzerland’s aging population and rising insurance complexity, we forecast sustainable and socially impactful growth:
Projected 20–30% YoY growth based on demographic trends
60% client retention with annual reviews
40% of clients upgrade to premium services
25% revenue from partnerships and educational programs by year three