Life
Insurance
Grow your money with life insurance while preparing for retirement and optimizing the transfer of your wealth.
- Tailor-made and long-term.
- Diversity and choice of eligible assets.
- Self-managed or managed by our advisors.
Life insurance in 3 points
A multi-asset, mixed wrapper to grow your savings while optimizing your taxes and preparing your succession.
Life insurance allows you to invest in a wide variety of assets: euro funds, equities, bonds, REITs, private equity, structured products...
After 8 years, withdrawals benefit from an annual allowance of 4,600 EUR (single) or 9,200 EUR (couple).
Each beneficiary benefits from a 152,500 EUR allowance on premiums paid before age 70.
Take out a life insurance policy as soon as possible!
Life insurance is a tax wrapper that combines multiple advantages. Since the tax exemption begins after 8 years, take out a policy as early as possible to benefit from it, as will your beneficiaries. Choose wisely too! Multi-asset, with transparent fees, in self-managed or managed mode, like at Investisseur Prive.
Advantages of life insurance
The advantages of life insurance.
Diversity of eligible assets: euro funds, UCIs, ETFs, individual securities (equities), REITs and private equity.
Flexible contributions and withdrawals at any time.
Advantageous taxation after 8 years.
Choice of management mode: self-managed, advised or delegated.
Tax wrapper for preparing your retirement.
Tool for transferring your wealth.
Constraints of life insurance
The constraints of life insurance.
In case of withdrawal before 8 years of holding, the flat tax applies on interest and capital gains.
Risk of capital loss depending on the unit-linked fund (UC).
Non-taxed succession ceiling of 30,500 euros, after age 70.
Choice of unit-linked funds sometimes limited depending on contracts.
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right investments
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Our investments are recognized and rewarded
Investisseur Privé offers investments in free, advised and managed management. Their recognition by experts and specialized media confirms our expertise, the quality of our selection and our advice.
Le Particulier
2025
Victoire d'Or for IP-Vie, in self-managed category 'expert contracts'.
Le Particulier
2025
4th place for the Sérénité contract, in delegated management.
Le Particulier
2024
Victoire d'Or for the Prudence contract in delegated management.
Le Particulier
2025
Victoire d'Or for IP-Vie, in self-managed category 'expert contracts'.
Le Particulier
2025
4th place for the Sérénité contract, in delegated management.
Le Particulier
2024
Victoire d'Or for the Prudence contract in delegated management.
*Past performances do not prejudge future performances.
Characteristics of life insurance
A life insurance policy to diversify your savings, optimize taxes and pass on your wealth.
Wrapper type
Tax wrapper
Eligible assets
Euro fund, unit-linked (equities, bonds, REITs, PE, structured products...)
Contribution cap
No cap
Availability
Partial or full withdrawal at any time
Taxation on gains
Flat tax 30% or progressive income tax. Allowance after 8 years.
Taxation on death
152,500 EUR allowance per beneficiary (premiums before age 70)
Management
Self-managed, advised or delegated
Transferability
Possible with the same insurer (Pacte law)
Subject to IFI
Only the portion invested in real estate
Suited for
Long-term savings, wealth transfer, diversification
Your life insurance
in delegated management
With Investisseur Privé, delegate the management of your life insurance.
01
Tailor-made
Your asset allocation, based on your objectives and risk profile.
02
Diversification
Your diversified and balanced asset portfolio.
03
Management
Your trades, monitoring and reporting 100% delegated.
Speak with an advisor
Our portfolios eligible for life insurance
We manage targeted portfolios to invest through your life insurance, based on your risk profile and return objectives.
Audace
A portfolio composed of 100% equities to benefit from stock market growth and performance.
Equilibre
A portfolio of equities and bonds continuously arbitrated to benefit from all financial markets.
Sortino
A portfolio integrating the best equity funds and the most consistent over time, driven by the Sortino ratio.
Audace
A portfolio composed of 100% equities to benefit from stock market growth and performance.
Equilibre
A portfolio of equities and bonds continuously arbitrated to benefit from all financial markets.
Sortino
A portfolio integrating the best equity funds and the most consistent over time, driven by the Sortino ratio.
Transfer your life insurance
Investisseur Privé takes care of everything! Four options depending on your situation:
- Sell the contract and subscribe to a new one.
- Keep the contract and delegate management to our advisors.
- Change contract with the same insurer.
- Transfer the contract (Pacte law) and maintain tax seniority.
Understanding life insurance in self-management
Educational content to learn about and subscribe to a life insurance policy: articles, white papers, newsletters, videos and webinars.
The beneficiary clause
in life insurance
It designates the person(s) who will receive the capital upon the death of the insured. Investisseur Privé helps you draft it!
01
Beneficiary
Choice of natural or legal person(s), knowing that it can be modified.
02
Wording
It is important to be explicit in naming beneficiaries to avoid any ambiguity.
03
Taxation
Funds transmitted via the beneficiary clause are outside the estate and benefit from a tax advantage.
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Other tax wrappers than life insurance
In addition to life insurance, other wrappers are available to boost the performance of your investments.
Luxembourg life insurance
Luxembourg life insurance offers enhanced capital protection, investment freedom and a high-performing international framework. You diversify, optimize and secure your wealth.
Securities account
The securities account combines flexibility and access to a wide selection of assets: equities, ETFs, structured products, REITs. You boost and diversify your savings.
Capitalization contract
The capitalization contract combines eligible asset choice and a flexible framework for your transfer (donation via dismemberment). You diversify and structure your wealth over the long term.
Equity savings plan
The PEA and PEA-PME combine a tax-advantageous framework for the long term and investment in European companies. You boost your wealth while supporting the real economy.
Retirement savings plan
The retirement savings plan combines building a long-term annuity and immediate tax relief through deductible contributions. You optimize your taxes today and supplement your income tomorrow.
Luxembourg life insurance
Luxembourg life insurance offers enhanced capital protection, investment freedom and a high-performing international framework. You diversify, optimize and secure your wealth.
Securities account
The securities account combines flexibility and access to a wide selection of assets: equities, ETFs, structured products, REITs. You boost and diversify your savings.
Capitalization contract
The capitalization contract combines eligible asset choice and a flexible framework for your transfer (donation via dismemberment). You diversify and structure your wealth over the long term.
Equity savings plan
The PEA and PEA-PME combine a tax-advantageous framework for the long term and investment in European companies. You boost your wealth while supporting the real economy.
Retirement savings plan
The retirement savings plan combines building a long-term annuity and immediate tax relief through deductible contributions. You optimize your taxes today and supplement your income tomorrow.
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Frequently asked questions about life insurance
Looking to subscribe, transfer or already holding a life insurance policy? Here are the answers to your questions.
A life insurance policy is a tax wrapper that allows you to invest in various financial assets while benefiting from tax advantages. It is a savings, investment and wealth transfer tool.
Euro funds, UCIs (SICAVs, FCPs), structured products, individual securities (equities) for certain contracts, as well as our 4 portfolios: Audace, Equilibre, Sortino, Thematique.
Before 8 years, gains are subject to the 30% flat tax. After 8 years, an annual allowance of 4,600 EUR (single) or 9,200 EUR (couple) applies. Beyond that, the rate is reduced to 7.5% plus social contributions.
Yes, there is no limit to the number of life insurance policies you can hold. Having multiple policies allows you to diversify insurers, assets and beneficiaries.
No, there is no contribution cap. However, tax advantages on death are limited to 152,500 EUR per beneficiary for premiums paid before age 70.
Luxembourg life insurance offers the security triangle (enhanced asset protection), access to exclusive funds and international portability. It is suited for substantial wealth.
Yes, the Pacte law allows the transfer of a policy with the same insurer while preserving the tax seniority. Investisseur Prive supports you with all options.
The beneficiary clause designates the persons who will receive the capital in the event of death. Its drafting is essential for optimizing wealth transfer.
Yes, delegated management entrusts the investment decisions to experts. At Investisseur Prive, we offer 4 portfolios suited to different risk profiles.
Fees may include: entry fees, annual management fees, arbitrage fees and fees on unit-linked funds. At Investisseur Prive, we negotiate the best rates.
Only the portion invested in real estate assets (REITs, OPCIs, SCIs) is subject to the IFI. Traditional financial assets are exempt.
The euro fund guarantees capital. Unit-linked funds carry a risk of capital loss due to financial market fluctuations.
Everyone! Life insurance suits cautious savers (euro fund) as well as dynamic investors (unit-linked). It is ideal for long-term savings, retirement planning and wealth transfer.