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project · ONLU AG
Estate planning that keeps assets in the bank.
ONLU Erben is a turnkey, open-source solution for digital estate planning and probate advisory services—without the need for a multi-million project. For banks, insurance companies, and financial service providers.
2023 Revision of the Swiss Civil Code26 cantonsSource-based
Background
A billion-dollar market and a hidden risk.
In Switzerland, approximately 95 billion francs are inherited each year, and the trend is on the rise. One out of every two francs of wealth is inherited. With every death, assets must be redistributed and are at risk of leaving the bank.
Inheritance Volume in Switzerland
95 billion
CHF per year, increasing
Percentage of Inherited Assets
Every other one.
The francs in the estate were inherited
Median Estate
170,000
CHF, many standard cases
Customers over 70
> 25 %
at many banks
Source: HSLU IFZ Retail Banking Blog (Inheritance Planning at ZKB) · Brülhart 2019 · Morger/Stutz 2017.
Challenges
Why Inheritance Is Difficult for Banks.
Asset Outflow Upon Inheritance
In the event of death, assets are redistributed. Without establishing early contact with the next generation of heirs, funds will flow to other institutions.
The heirs were identified too late
Banks often don’t become aware of the next generation until the estate settlement is already underway and decisions have been made.
Complexity & Uncertainty in Consulting
Estate and inheritance law are complex. Many client advisors clearly struggle with the subject.
Costly in-house development
In-house digital estate management solutions are multi-million projects with long lead times and high maintenance requirements.
Regulatory restraint
Banks are neither permitted nor authorized to provide binding legal or tax advice. A tool must strictly adhere to this boundary.
Routine cases keep specialists busy
Simple cases tie up expensive specialists, who are then unavailable for complex and lucrative cases.
The solution
ONLU Erben bridges the gap.
ONLU Erben is a specialized, digital advisory platform for estate planning: turnkey and source-based. It lowers the barrier to entry for a topic that is often overlooked, encourages banks to engage with the next generation of heirs early on, and thereby helps keep assets within the family.
Instead of a multimillion-dollar project, you’re using a proven solution that strictly adheres to regulatory limits: initial guidance rather than binding legal or tax advice.
At a Glance
- Turnkey Instead of DIY
- Source-based & transparent
- Integratable & White-Label-Ready
Features
What ONLU can inherit.
01 · Function
4-Step Inheritance Calculator
Enter family situation, will, canton, and assets. The results show statutory succession, reserved shares, and the disposable portion according to the 2023 revision—with amounts in CHF and two donut charts.
02 · Function
Checklist for a Death
Four stages from the medical certificate of death to the distribution of the estate, with a progress indicator and based on official ch.ch guidelines.
03 · Function
Government Agencies & Sources
Well-maintained entry points for all 26 cantons as well as Fedlex, ch.ch, and ESTV — stable rather than fragile deep links.
04 · Function
Source-Based AI Assistant
Answers questions about inheritance law with references to sources and clear guidelines, and never asks for confidential personal or financial information.
05 · Function
Integratable & White-Label-Ready
Whether offered as a standalone service, integrated into existing systems, or through co-branding—it fits seamlessly into existing consulting and sales processes.
Added value
Benefits for everyone involved.
For the bank
- Building a Relationship with the Next Generation Early On
- Reducing Asset Outflows in the Event of Inheritance
- Qualified Leads from Self-Service
- Relieve Specialists of Routine Cases
- Cost-effective and up and running quickly, without a multimillion-dollar project
For Consultants
- A Structured Approach to a Sensitive Topic
- Clear visualizations right on the screen
- Better Preparation for Counseling Sessions
- Greater Security Thanks to Source Tracking
For End Customers
- A quick and easy-to-understand initial overview
- Transparency Regarding Assumptions and Limitations
- Guidance on the Next Steps
- Trust Based on Official Sources
Use Cases
For banks, insurance companies, and financial service providers.
Retail and Universal Banks
Easy-to-use self-service options on the website or through online banking that refer qualified leads to the advisory team.
Private Banks & Wealth Management
Structured preparation for estate planning and succession planning discussions with high-net-worth clients.
Cantonal and Regional Banks
Offer comprehensive estate planning and inheritance advice without having to set up your own digital project.
Insurance
Raising awareness about retirement planning, risk, and beneficiary designations—for example, in life insurance and Pillar 3a/3b plans.
Financial Advisor & Trustee
A visualization tool for client meetings and for professionally initiating client engagements.
Pension Plans
Information on survivor benefits and the implications of inheritance for retirement planning.
Integration
Integrated into consulting and sales.
ONLU Erben supports customers throughout their entire journey, from their first self-service interaction to a personal consultation.
01
Perceive & Inform
ONLU Inheritance as a self-service feature on your website or in your online banking platform. Customers can get an initial overview on their own—an easy way to generate leads.
02
Raising Awareness & Providing Advice
Advisors use the inheritance calculator in real time during consultations, visualize the order of succession and statutory shares, and highlight the options available.
03
Implementation & Support
Handoff to specialists, appointment scheduling, or CRM leads—supported by a checklist, links to government agencies, and the source-based assistant.
Additionally: white-label or co-branding, embedding as a widget, lead transfer to the CRM, and campaign hooks such as estate planning events or the 2023 inheritance law revision.
Build vs. Buy
Why ONLU Instead of In-House Development.
Developing your own digital estate management solution ties up significant resources—in terms of setup, legal matters, and maintenance. ONLU Erben is ready to use right away, is continuously synchronized with official sources, and allows your specialists to focus on complex, lucrative cases.
In-house development
- High investment and a long lead time
- Ongoing legal and care expenses
ONLU Heirs
- Ready to use right away, predictable costs
- We keep your sources up to date
Get Started
Incorporate estate planning into your advisory services.
Try ONLU Erben live, or talk to us about pilot programs, white-label solutions, and integration.
Live Demo & Pilot
Try out the inheritance calculator right away and evaluate it with your team in a pilot environment.
White Label & Embedding
As a co-branded page, embedded widget, or linked offer on your platform.
White Papers & Business Cases
“Estate Planning as a Banking Strategy,” including an impact and ROI assessment for your institution.
Webinar & Training
Practical training formats for client advisors—including topics related to the 2023 inheritance law reform.
