Insurance Solutions

About us

Assithèque Insurance Solutions is a regulated Insurance Agency (MGA/MGU) founded in 2010 in Vaduz, Liechtenstein.

Assithèque focuses exclusively on cross-border Life and Non-Life insurance products and services in the B2B sphere. We never deal directly with the end client, but instead distribute our products via other intermediaries and partners. 

Please visit Assithèque – The Insurance Boutique, our sister company in Zurich, Switzerland, for any requirements pertaining to Product Development, Actuarial services, Internal Audits, and Solvency II solutions.





Assithèque - Insurance Solutions

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David Swanepoel


Managing Director

David is an insurance entrepreneur with extensive experience in life insurance and reinsurance. His past roles include that of CEO of Quantum Leben, a life insurance company in Liechtenstein, Head of Life & Health at Trans Re Zurich, Marketing Actuary at Hannover Re in Germany and Head of Actuarial Development of Momentum Life, a major life insurer. He is a Director of Assithèque GmbH (the majority shareholder of Assithèque AG), and co-founder and director of Moving Minds Psychological Management and Rehabilitation, a London based company providing psychological services to the insurance industry in the UK.

Michel Ruggaber


Managing Director

Michel is founder and Director of Assithèque GmbH (the majority shareholder of Assithèque AG). He has extensive experience in international Life and P&C (re)insurance having worked in senior roles for major (re)insurers such as Converium, Transatlantic Re, Winterthur and Quantum. His functions at these companies varied from Marketing Actuary and Underwriting Manager to Chief Executive Officer, while he also served as Non-Executive Director of a number of companies. He furthermore acted as Managing Director of a Swiss Neurorehabilitation clinic which he established on behalf of a consortium of investors. Michel is a qualified Actuary (Swiss Aktuar SAV and Institut Français des Actuaires) and lectures at the Insurance Institute of Switzerland; he is fluent in English, French, Italian and German.

Raffael Maiani


Sales & Marketing Advisor

Raffael is a Swiss certified insurance expert and insurance entrepreneur with broad experience in life and non-life insurance, but also as a startupper in the area of fintech and insurtech. In the past he was Country Head of BNP Paribas Cardif, Switzerland, Project Manager Pension Fund at Allianz Switzerland, Head of Innovation at Winterthur Insurance HO (today Axa Switzerland), Manager Insurance Consulting at KPMG Swizterland, Head of Marketing at Generali Switzerland and Underwriter Accident, Health and Life at Zurich Switzerland. He is currently the CEO of Insurebot IVS, Denmark, an insurtech startup, BoD member of a fintech, Zürich Golddepot AG and program manager of Tellco AG (Swiss Pension Fund).

Latoya Schaufelberger


Executive Assistant

Latoya started her career at two legal firms in Switzerland and Liechtenstein, where she performed secretarial work and attended to trademarks and patents. She then changed to a Trust company in Liechtenstein where, in addition to trademarks and patents, also looked after the establishment, registration and cancellation of companies. Her more recent experience is at a Life insurance company in Vaduz, managing the office and policy administration (from the application process incl. compliance through to claims stage).



We have an intimate understanding of the requirements of regulators, reinsurers, insurers, intermediaries and policyholders, which allows us to structure unique products and solutions and bring them to the market.


As a regulated Insurance Agency, we perform administration, underwriting and claims management, coordinate the various activities associated with insurance products, and provide the risk carrier with the necessary information it requires.


We are cross-border specialists, and understand the intricacies involved when launching local-compliant products in different countries, in particular the regulatory, consumer, legal and tax requirements.


Assithèque has particular expertise in structuring complex solutions – for example, for our Critical Care product, we had to bring together a full spectrum of quality partners: a reinsurer, an insurer, a Care Management company, and a (medical) assistance company – while we provide a complete range of administration services.


The portfolio of products we have brought to the market include:


Critical Care is an innovative new insurance product closely related to the Critical Illness or Dread Disease family of products. It was developed by Assithèque – The Insurance Boutique, our sister company in Zurich.

The key difference between Critical Care and the standard Critical Illness cover, is that for those conditions where the quality of medical care plays a significant role in the treatment and/or the rehabilitation of the patient (e.g. cancer, stroke and heart-related illnesses), the insurance covers the cost of expert Care Management, treatment and rehabilitation at top Swiss clinics (as opposed to simply paying out a lump sum). For those conditions where Care Management will not necessarily improve the health of the insured, a cash lump sum is paid.

Assithèque was responsible for the complete conceptualisation, design, pricing and documentation of the product, and in addition secured reinsurance, risk carriers and distribution.

More information available here.


Our sister company in Zurich, Assithèque - The Insurance Boutique, was asked by a Belgian non-profit association to design a product that would secure the well-being of a pet (cat or dog) following the death of the owner. The pricing of the product had to allow not only for the life expectancy of the owner, but also the life expectancy of different types and sizes of pets.

The result is an innovative new insurance product: When the owner of the pet passes away, Carat-Pattes provides an annual amount covering all veterinary costs (incl. a compulsory annual medical check-up), as well as a quarterly allowance for food for as long as the pet is alive.

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Contact info

  • +423 39 00 188
  • Assithèque AG
    Bangarten 10
    FL-9490 Vaduz
    Principality of Liechtenstein