Why Luxembourg?
Luxembourg life insurance has become the reference vehicle for assets exceeding €250,000. It combines three decisive advantages that French contracts cannot offer simultaneously: enhanced asset protection, open investment architecture and international tax neutrality.
Key advantages
Triangle of security
Assets are held with an independent custodian bank, segregated from the insurer's balance sheet. In the event of insurer insolvency, your assets are protected, a super-privilege unique in Europe.
Open architecture
Access to an unlimited range of investment options: institutional funds, private equity, bonds, real estate, dedicated funds. No range restrictions imposed by the insurer.
Tax neutrality
The Luxembourg contract adapts to the tax regime of your country of residence. Ideal for expatriates and internationally mobile individuals.
Multi-currency
Ability to hold assets in EUR, USD, GBP, CHF within a single contract. Natural protection against currency risk.
Types of funds available
- Dedicated Internal Fund (FID) : bespoke management by a mandated manager, from €250,000. Personalised allocation according to your profile
- Collective Internal Fund (FIC) : actively managed pooled fund, accessible from €125,000
- Specialised Insurance Fund (FAS) : direct access to unlisted assets (private equity, real estate) from €250,000
- External funds : selection from the best international funds available on the insurer's platform
Who is this for?
- Financial assets exceeding €250,000
- Expatriates and internationally mobile individuals
- Investors seeking enhanced protection for their assets
- Families seeking an international succession planning solution
Our support
Kapitalia works with the leading Luxembourg insurance companies (Lombard International, OneLife, Baloise) and selects the contract best suited to your situation. We manage the account opening, fund selection and ongoing monitoring, in coordination with your custodian bank and portfolio manager.
