White paper : Luxembourg life insurance

Luxembourg life insurance contracts are cross-border solutions for saving and investing that are recognised for their regulatory strength, attractive tax regime and considerable flexibility. They are aimed at an international clientele seeking to protect and pass on their wealth in a secure environment.

With its security triangle, Luxembourg offers one of the highest levels of protection for policyholders in Europe. This system ensures strict separation of assets, under the supervision of the Commissariat aux Assurances (CAA).

Key advantages of the Luxembourg contract:

• Investment flexibility: wide choice of vehicles (external funds, dedicated internal funds, ETFs, etc.)
  Tax neutrality: taxation in the policyholder's country of residence
  European mobility: contract exportable under the Freedom to Provide Services (FPS)
  Enhanced protection: policyholder privilege in the event of company default
  Estate optimisation: easy and adaptable succession

What you will find in this white paper

This digital guide explores in depth the essential aspects of Luxembourg life insurance contracts:

• The legal and regulatory framework in Luxembourg
• Taxation applicable according to country of residence
• Estate planning and beneficiary clauses
• The advantages of portability and FPS
• Unit-linked products: discretionary or delegated management
• Asset protection and the strength of the Luxembourg system
• Each chapter is illustrated with additional content: expert analyses, infographics, case studies, investor testimonials and interviews with professionals.