Nicole Bohne — Life and protection expert
Nicole Bohne.
Life and protection expert
Financial planner, registered in the FINMA intermediary register — after seven years as a pension-planning and insurance specialist at Basler Versicherung and two at Zurich Insurance.
Works in German, English and French.
Her rule, in her own ordering: protection first, tax second, product last — and life cover belongs in a plan only when someone depends on the income.
The desk, precisely.
Whether the household has a real gap
Income dependency, children, debt, partner risk, and what existing employer or state provision already covers. Life insurance answers a situation, not a portfolio — and the honest answer is often that the gap is smaller than the quote assumed.
Insurance-wrapped savings
When a savings product dressed as insurance earns its place, and when clean savings plus separate term cover is the better structure. For internationally mobile households the answer changes with every border, because the tax treatment does.
Contracts already in force
Premium load, surrender value, disability clauses, beneficiary wording — and whether a policy bought in one country still does its job from another. Beneficiary clauses written under one legal system are a classic quiet failure.
The protection that follows a move
What relocation does to cover in force: policies that lapse territorial validity, waivers that stop applying, and the disability definitions that change meaning between jurisdictions.
The discipline behind the desk.
Nicole spent nine years on the insurer side of the desk — seven at Basler Versicherung in pension planning, two at Zurich Insurance — before crossing to the advisory side. That background matters for one reason: she has seen how these products are built and priced, which is the fastest way to know when one is being oversold.
Life insurance is oversold to internationally mobile people as a category. The selling story writes itself — young family, new country, uncertainty — and the product attached to it is frequently larger, longer and more expensive than the actual gap. Her most common recommendation is a smaller, cleaner structure than the one on the table, and reasonably often the recommendation is none at all.
For the Swiss practice she is registered in the FINMA intermediary register — F01536402, checkable against the register itself. That registration covers Swiss business; on this site she advises internationally, and cover, where placed, is placed through SIP’s licences.
Before insurance there was a first career: professional badminton, ranked among the top hundred in the world. It is not a credential, but it is not nothing either — nobody reaches that level without an unusual relationship to preparation.
Nicole’s reviews are where "should I even have this policy" gets answered honestly. Bring the contracts you hold and the household picture — who depends on whom, what already exists — and expect the protection question settled before any product is discussed.
“The most important life-insurance decision is often not the provider. It is whether the household has a real gap after existing cover, savings, children, and debt are read together.”— Nicole Bohne, as published on expat-savvy.ch
Where this discipline was built.
Nicole also runs a desk at the Swiss practice, expat-savvy.ch — advising internationals inside one of the strictest insurance markets in the world since 2017. Languages there and here: German, English and French. On this site Nicole advises internationally; where cover is placed, it is placed through SIP's licences — the arrangement set out on the about page.
The rest of the team
- Robert Kolar — Health insurance expert
- Virginie Josten — IPMI expert
- Davide Nezel — IPMI expert
- Chantal Leprêtre — Client Advisor
- About the practice
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