Luxembourg
life insurance
Secure your investments with Luxembourg life insurance, with access to diverse assets and attractive taxation.
- From 20,000 EUR with Investisseur Privé.
- Unlimited and tailor-made investment universe.
- Securing your assets.
Luxembourg life insurance in 3 points
A flexible and accessible tax wrapper to diversify your investments, with enhanced protection and attractive taxation.
Your assets are held with a custodian bank independent of the insurer, guaranteeing a super-privilege in the event of default.
Access to dedicated internal funds (FID), specialized insurance funds (FAS) and collective funds not available in France.
Luxembourg life insurance adapts to the taxation of the country of residence, ideal for expatriates or international projects.
Think of the security triangle of Luxembourg life insurance!
The security triangle principle relies on 3 independent actors: the Luxembourg insurer, the custodian bank and the Insurance Commissioner (CAA). They guarantee strict asset separation, CAA oversight, super-privilege in case of insurer bankruptcy, enhanced protection in case of a banking crisis and unlimited deposit guarantee.
Advantages of Luxembourg life insurance
The advantages of a Luxembourg life insurance contract.
Enhanced protection with the security triangle.
Not subject to the Sapin 2 law.
Numerous eligible investments, in open architecture.
Taxation of the country of residence.
Multi-currency.
Choice of management mode: self-managed or delegated.
Tool for transferring your wealth.
Constraints of Luxembourg life insurance
The constraints of a Luxembourg life insurance contract.
Entry ticket sometimes high, but not with Investisseur Privé!
Administrative complexity, hence the need for support.
Euro fund not always eligible and less remunerative than French life insurance.
Risk of capital loss depending on the unit-linked fund (UC).
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Characteristics of Luxembourg life insurance
A Luxembourg life insurance contract to secure your assets, diversify them and transmit them.
Wrapper type
Tax wrapper (Luxembourg law)
Entry ticket
From 250,000 EUR
Eligible assets
Euro fund, unit-linked, FID, FAS, exclusive collective funds
Asset protection
Security triangle (super-privilege)
Taxation
That of the subscriber's country of tax residence
Portability
International - adapts in case of change of residence
Management
Self-managed, advised or under mandate
Suited for
Substantial wealth, expatriates, international diversification
Your Luxembourg life insurance
as an expatriate
With Investisseur Privé, you are supported to subscribe to a Luxembourg life insurance.
01
Taxation
Verification of tax conventions between Luxembourg and your country of residence.
02
Eligibility
Eligibility of the country where you reside, administrative and/or banking formalities.
03
Allocation
You are advised to invest in the best assets with a logic of diversification and balance.
Speak with an advisor
Subscribe to a Luxembourg life insurance
With Investisseur Privé, administrative complexity does not exist:
- Selection: the best Luxembourg life insurance contracts for you.
- Tailor-made: diverse invested assets based on your risk profile.
- Management: you choose between self-managed, advised or delegated, with real-time monitoring.
Understanding Luxembourg life insurance
Educational content to understand Luxembourg life insurance and its advantages.
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Other tax wrappers than Luxembourg life insurance
In addition to Luxembourg life insurance, other wrappers are available to boost the performance of your investments.
Life insurance
Life insurance combines flexibility, tax advantages and diversified management. It allows you to secure part of your savings, opt for dynamic assets, prepare your life projects and retirement.
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.
Life insurance
Life insurance combines flexibility, tax advantages and diversified management. It allows you to secure part of your savings, opt for dynamic assets, prepare your life projects and retirement.
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.
Frequently asked questions about Luxembourg life insurance
Want to subscribe to a Luxembourg life insurance? Here are the answers to your questions.
Luxembourg life insurance is a tax wrapper that offers the same advantages as a standard life insurance contract but with additional guarantees (the security triangle) and varied available assets. It also benefits from tax neutrality: the taxation of your country of residence applies.
Luxembourg life insurance offers enhanced security through the security triangle, which protects assets in the event of insurer default, and the legal priority of savers. It also combines: Investment flexibility with access to dedicated funds, delegated management, international and multi-currency vehicles. Tax neutrality, suited to mobile or expatriate investors. French life insurance is simpler and more accessible, favoring the advantageous national tax framework and euro fund security.
Since taxation is neutral in Luxembourg, the taxation of your country of residence applies. If you reside in France, French life insurance taxation prevails. If you are an expatriate, the taxation of your country of residence applies, which may be more advantageous. Ultimately, Luxembourg life insurance taxation is the same as standard life insurance if you reside in France.
Euro funds. UCIs: SICAVs, FCPs, etc. Structured products. Direct shares for certain contracts. ETFs. Private equity. SCPIs... In euros or foreign currency.
Yes, you can subscribe to as many Luxembourg life insurance contracts as you wish, for beneficiaries of your choice, natural and/or legal persons. However, the tax exemption ceiling in France is limited.
Luxembourg life insurance has no contribution cap unlike the PEA and PEA-PME. But its taxation varies in the event of: Death: tax advantages are limited to 152,500 EUR per beneficiary for premiums paid before age 70. Contributions after age 70: the overall allowance is 30,500 EUR. Ultimately, the absence of a contribution cap does not prevent the existence of a tax exemption ceiling upon transmission.
Yes, at Investisseur Privé.
Several categories of fees may apply to Luxembourg life insurance, noting that the initial investment can also be high, but only 20,000 EUR with Investisseur Privé: Entry, transfer and closure fees depending on the account holder. Fees related to unit-linked or investment vehicles: purchase, management... Contract management fees if delegated or managed.
No, Luxembourg life insurance is not subject to IFI unless the assets held are SCPI, SCI or OPCI shares concerning real estate properties.
The risks of Luxembourg life insurance are related to the assets held, knowing that you benefit from guaranteed security on funds through the security triangle and super-privilege: Risk of capital loss. Specific risk related to each asset held. Risk of insurer default.
Luxembourg life insurance is for investors who wish to: Secure a portion of their assets. Diversify their wealth through select eligible assets. Create a tailor-made contract. And if you are an expatriate, benefit from Luxembourg's tax neutrality. The taxation of your country of residence applies, if eligible.