A private retirement pension is a life insurance policy. And in the case of life insurance policies, Zurich is obliged under the Insurance Supervision Act to secure the claims of policyholders in so-called tied assets (Art.17 para.1 IOA). These assets serve exclusively to cover/secure the insurance assets or insurance entitlements and would not form part of the bankrupt's estate, even in the very unlikely event of bankruptcy (Art.55 IOA). FINMA reviews these tied assets on an ongoing basis. Zurich Life Insurance Company Ltd is therefore in a position to meet its financial obligations at all times. In short: Your claims are very safe.