Luxembourg Life Insurance: An Essential Asset for French Savers

Luxembourg life insurance is not only for the wealthy, but for anyone seeking a long-term wealth management solution.

Increasingly popular among French investors, Luxembourg life insurance policies allow for tax optimization while redefining the standards of security, flexibility, and performance. They are an ideal ally for protecting the future of one’s assets while complying with current tax regulations.

Luxembourg life insurance policies do not just offer attractive tax neutrality; in France, they also benefit from an exceptional legal framework and the possibility of advantageous allowances on capital gains depending on the duration of the contract. Reliable, high-performing, and personalized, this tailor-made solution adapts to all situations and enhances opportunities for gains. For those who wish to combine profitability with peace of mind, Luxembourg life insurance also guarantees unmatched protection. Indeed, this system requires insurance companies to hold clients’ assets in segregated accounts, managed by banks approved by the Luxembourg Insurance Supervisory Authority (CAA). Policyholders’ assets are thus protected, even in the event of the insurer’s bankruptcy.

Furthermore, these policies offer virtually limitless investment opportunities, opening access to a wide range of products often inaccessible to certain savers. They also allow significant flexibility in building a diversified portfolio aligned with the investor’s profile and objectives. Additionally, they allow assets to be held in multiple currencies, a particularly useful option for expatriates or individuals with international projects.

In terms of inheritance, Luxembourg life insurance also stands out for its favorable tax conditions and flexibility. This solution, for example, provides great freedom in designating beneficiaries. The clauses concerning them are also customizable and can be adapted to the specific needs of each policyholder.

Luxembourg does not impose its own taxation on contracts held by non-residents. This means that the applicable taxation is solely that of the policyholder’s country of residence, at the time of redemption or the insured’s death. This tax neutrality is an essential tool to support international mobility projects while avoiding the risks of double taxation. Practically, a client planning to move abroad or who already holds interests in multiple jurisdictions can maintain a single contract, which will automatically adapt to their tax environment without needing to be closed or transferred.

Luxembourg life insurance remains a solution offering very high security, investment diversification, and advantages in wealth transfer and tax efficiency. It can also become an effective lever for anyone wishing to give new momentum to their wealth management strategy. Consider it!