Melanie Aubail
Marketing and Family Office
At Alpen, we integrate advanced insurance structures into broader wealth strategies, focusing on outcomes such as tax deferral, estate liquidity and generational continuity. We coordinate with trusted providers, tax experts and legal advisors to design frameworks that suit each family’s needs. Insurance is not treated as an investment or mass-market solution but as a planning instrument tailored to cross-border realities. For U.S.-connected clients or families with multi-jurisdictional ties, our approach seeks to provide clarity, compliance and flexibility over time.
ULI combines lifelong coverage with flexible structuring, making it helpful for estate and succession planning. At Alpen, we use ULI in contexts where families seek estate liquidity, long-term protection and efficient transfer mechanisms. Policies are selected and structured based on jurisdictional requirements, coordinated with tax and legal partners. The focus is on integration, thus aiming that ULI complements trusts, governance frameworks and global wealth strategies rather than existing in isolation.
VUL provides flexibility in premium design and structuring, which may be used as a planning tool for clients with complex income and estate profiles. At Alpen, we coordinate VUL strategies considering tax deferral and portability objectives. We work with trusted providers to help establish policies within compliant frameworks, adapted for multi-jurisdictional families. VUL is used selectively to complement estate planning, governance and wealth transfer strategies, with a focus on supporting long-term alignment rather than short-term outcomes.
PPLI is a sophisticated solution designed for UHNW families with international planning needs. At Alpen, we use PPLI as part of strategies that may address tax efficiency, estate structuring and asset protection objectives. PPLI allows customization and transparency, but its potential value lies in integration with broader wealth frameworks. We coordinate closely with tax advisors, helping to align structures across jurisdictions, while aiming to reflect family objectives, particularly for U.S.-connected or multi-jurisdictional clients.
Our insurance experts combine deep market knowledge with a holistic view of wealth planning. By aligning protection strategies with long-term goals, they provide clarity, security and confidence for every stage of life.
Melanie Aubail
Franz Lukas
Mark Hollenstein
Nicolas Gabris
At Alpen Partners International, we provide insurance solutions services in Switzerland designed to support your unique financial needs. As a leading firm in Swiss investment managed account services, we offer:
Navigate the complexities of managing and potentially growing your wealth with our professional advisors, experienced in Swiss and international financial markets.
Potentially benefit from our familiarity with the Swiss financial market and its regulatory environment.
Receive personalized wealth management plans that take into account your financial goals and risk profile.
Access a full suite of services including investment planning, tax optimization and estate planning.
We strive to provide high-quality services aligned with our clients’ objectives.
Insurance is never positioned as a stand-alone product to be purchased but as a strategic tool within long-term planning.
These questions are frequently asked in relation to insurance solutions.
Insurance solutions, when designed strategically, may serve as powerful tools for wealth planning. At Alpen, we use ULI, VUL and PPLI not as products but as instruments for estate structuring, tax efficiency and asset protection. Our role is to coordinate design and implementation with trusted advisors, with the aim of helping policies align with family priorities and international obligations. For U.S.-connected and multi-jurisdictional families, Switzerland may offer a discreet and stable base. By embedding insurance into broader strategies, we aim to create continuity, resilience and clarity. Properly integrated, insurance may support long-term planning, generational wealth transfer and compliant cross-border structuring.
We collaborate with trusted legal and tax advisors to design strategies that fit the family’s global footprint, aiming to support compliance in every jurisdiction. Our independence allows us to focus on quality and suitability rather than distribution. When used thoughtfully, these insurance structures support succession, estate efficiency and multi-generational continuity. We treat insurance as one element of a disciplined plan, not an investment or speculative instrument, with the goal of giving families confidence that wealth strategies can remain robust across jurisdictions and time horizons.
Estate planning often requires liquidity at specific moments — to cover inheritance taxes, to fund succession or to equalize distributions between heirs. Insurance is uniquely positioned to provide that liquidity with efficiency and discretion. At Alpen, we use ULI, VUL and PPLI structures as part of estate strategies that coordinate with trusts, governance frameworks and legal requirements. These solutions also support asset protection when structured correctly, safeguarding wealth from creditor claims or unforeseen disputes within compliant frameworks. Our role is not to sell policies but to ensure they integrate seamlessly with existing plans, supporting continuity without unnecessary complexity. Insurance adds resilience, ensuring families are not forced to sell long-term holdings or disrupt portfolios to meet obligations. When coordinated with trusted advisors, insurance becomes a cornerstone of estate planning, delivering stability and protecting both assets and harmony across generations.
Insurance can fund philanthropic initiatives, provide liquidity for charitable foundations or ensure fairness in family distributions. By embedding insurance into long-term governance frameworks, we help families preserve unity and stability. Our focus is on discretion and alignment with multi-generational vision, ensuring strategies endure across decades. Properly structured, insurance supports families in achieving continuity, protecting assets and sustaining a legacy that extends beyond financial wealth into shared purpose and long-term resilience.
At Alpen, financial planning goes beyond investment performance. It is grounded in trust, long-term relationships, and a structured approach aimed at clarity and transparency. You remain in control where it matters most, while drawing on professional expertise where this can add value. This way, your portfolio is managed in line with your personal vision, your family’s priorities, and the legacy you wish to shape.
Pierre Gabris
Your contact for Insurance solutions
GDPR Privacy Policy: This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Website: Agenza GmbH
