Senior Consultant (m/d) — die Mobiliar

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Geographic detail

This page corresponds to the job slug versicherungs-e-vorsorgeberater-w-m-d-agenzia-generale-kreuzlingen-die-mobiliar-kreuzlingen (trailing token: Die Mobiliar Kreuzlingen).

The reference location stated in the job ad is Kreuzlingen, Canton of Ticino. Remote-tagged roles still retain the city reference for tax, contract and G Permit enrolment purposes.

Original description

This is what awaits you: For the Kreuzlingen region, we are looking for a dedicated sales personality that strengthens our motivated team and actively contributes to the joint success. In this versatile and varied role, our customers advise you competently and personally on insurance, pension and mortgage solutions that are precisely tailored to their needs. With your commitment, you can continuously expand your customer portfolio, shape sustainable customer relationships and strengthen regional anchorage on site. You can do this with us: This position focuses on the holistic support and the active expansion of your private and corporate customer portfolio. With your courtesy and binding style, you always have an open ear for your customers and accompany them with personal advice and individually tailored solutions from the entire insurance, pension and mortgage area. You will benefit from entrepreneurial scope and the ability to shape your customer relationships in the long term and sustainably. Take this with you: • Authentic, winning and empathic personality • Complete training and multiannual professional experience, beneficial in the commercial sector • Connecting network in the Kreuzlingen region • Joy in attracting new customers through active networking • Self-employed, responsible and customer-oriented work • German language skills • Driving category B Working with us: At the General Agency, you will find a motivated and dynamic team consisting of a general agent, insurance and pension advisors, damage workers, sales services and learners. Together we live a strong regional anchorage and maintain an open, collegial exchange. The job is started by agreement, the workload is 100% and the workstation is located in Kreuzlingen. We offer: Successful participation If we are successful, our employees also benefit. Each year, a decision is taken on the distribution of a share of success and its level. Training and development We offer a wide range of internal cours

Job details

  • Company: die Mobiliar
  • Position: Senior Consultant (m/d)
  • Location: Kreuzlingen, Ticino
  • Sector: Assicurazioni
  • Expired on: 2026-05-19

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Find your next opportunity as a cross-border worker in Switzerland.

Information for cross-border workers

die Mobiliar is located in Kreuzlingen in the Canton of Ticino. Cross-border workers need a G Permit, renewable annually, to work in Switzerland. The Canton of Ticino applies withholding tax at variable rates on gross income. Since 2024, the New Tax Agreement introduces concurrent taxation between Italy and Switzerland.

Swiss social contributions include AVS (5.3%), unemployment insurance (1.1%) and LPP (occupational pension). Use our free tax simulator to calculate your net salary and compare the cost of living between Switzerland and Italy.

G permit and residence. To apply for this position as a cross-border worker you must reside in an Italian municipality within the 20 km border zone (Lombardy or Piedmont) and return home at least once a week. The employer files the G permit at the cantonal migration office after the contract is signed: first issuance takes 2-6 weeks and is then renewed yearly. Full-time remote work from Italy is not compatible with cross-border status; extended absences from the Italian home (more than a working week without returning) jeopardise the fiscal regime.

Net salary and the 2024 fiscal agreement. The gross salary advertised here is withheld at source by the Swiss employer at effective rates between 5 % and 19 % in the Canton of Ticino depending on income, marital status and dependants. Cross-border workers hired on or after 1 January 2024 fall under the new Italy-Switzerland concurrent regime: Italy taxes foreign employment income while granting a tax credit on Swiss withholding up to 80 %, declared in section RW of the Italian tax return. Together with social charges the typical gross-to-net gap is 18-28 %. For a personalised calculation on the gross offered by die Mobiliar open the salary simulator.

Commute and quality of life. Working in Kreuzlingen means a daily commute that depends on which crossing you use: Brogeda (A2 motorway) and Chiasso-strada cover the Mendrisiotto and Luganese areas; Stabio and Gaggiolo serve commuters from the Varese province; Ponte Tresa is the historic gateway for Luino and the Verbano lake region. At peak times a Como-Lugano leg runs 25-50 minutes; Varese-Lugano typically takes 35-60. For those considering relocation to Ticino, average rent for a 3.5-room flat in Lugano is CHF 1,500-2,200/month, against EUR 600-900 for an equivalent unit in the province of Como. The Swiss healthcare network (LAMal) offers shorter access times than the Italian SSN but at a monthly premium of CHF 350-500 per adult — a substantial line item in any net-vs-net comparison.

Frequently asked questions

What is the net salary for a cross-border worker in Ticino?
Net salary depends on gross income, marital status and number of children. In the Canton of Ticino, withholding tax ranges from about 2% to 15%. Together with AVS-AI-IPG (5.3%), unemployment insurance (1.1% up to CHF 148,200/year) and LPP (7-18% by age), the typical gross-to-net gap is 18-28%. Use our simulator for a personalised calculation against this listing.
Do cross-border workers need Swiss LAMal health insurance?
New cross-border workers since 2024 must enrol in Swiss LAMal within 3 months of starting work, unless they exercise the right of option to stay in the Italian SSN. Premiums vary by canton, insurance model (standard, family doctor, telmed, HMO) and deductible (CHF 300 minimum up to 2,500 maximum): compare LAMal premiums.
How do I get a G permit to work in the Canton of Ticino?
The G permit is filed by the employer at the cantonal migration office after the contract is signed. First issuance takes 2-6 weeks; the permit is renewed yearly up to the contractual limit. You must reside in an Italian municipality within the 20 km border zone (Lombardy or Piedmont) and return home at least once a week. Full-time remote work from Italy is not compatible with the status.
13th-month salary, vacation and overtime: what does Swiss law say?
The 13th salary is not statutory but is standard practice in Ticino and almost always specified in the contract: paid in December or split into two tranches (June + November). Minimum statutory holiday is 4 weeks (5 weeks for under-20s and over-50s with seniority). Overtime above 40-45 weekly hours, under the Labour Act (LL), is compensated with a 25% premium or equivalent time off within 14 weeks.
What documents do I need to apply for a Swiss job?
For the initial application: CV (European or Swiss format, in a cantonal language), cover letter, and a recent work certificate. After the contract is signed: valid ID card (passport recommended), Italian residence certificate, birth certificate for the G-permit filing, and — for regulated sectors (healthcare, schools, security) — recognition of the Italian degree by SBFI/SEFRI or the relevant cantonal authority, a process that takes 3-6 months.

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