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Swiss Civil Code

Art. 530

5. On usu­fruct and an­nu­it­ies

 

If the test­at­or has en­cumbered the es­tate with rights of usu­fruct and an­nu­it­ies such that their cap­it­al­ised value over their prob­able dur­a­tion ex­ceeds the dis­pos­able part of the es­tate, the heirs are en­titled either to seek pro­por­tion­ate abate­ment of such rights or to re­deem them by sur­ren­der­ing the dis­pos­able part of the es­tate to the be­ne­fi­ciar­ies.