[et_pb_section fb_built=”1″ _builder_version=”4.27.4″ custom_margin=”||-9px|||” custom_padding=”8px||2px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”2560px” height=”151px” custom_margin=”|auto|-6px|auto||” custom_padding=”4px||1px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text content_last_edited=”off|desktop” _builder_version=”4.27.5″ text_font=”|300|||||||” text_font_size=”32px” text_line_height=”1.4em” header_font=”|700|||||||” header_font_size=”72px” header_line_height=”1.1em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” min_height=”126.4px” custom_margin=”||10px|||” custom_padding_phone=”0px|0px|0px|0px|false|false” text_font_tablet=”|300|||||||” text_font_phone=”|300|||||||” text_font_last_edited=”on|phone” text_font_size_tablet=”37px” text_font_size_phone=”37px” text_font_size_last_edited=”on|desktop” header_font_size_tablet=”52px” header_font_size_phone=”36px” header_font_size_last_edited=”on|desktop” text_orientation_tablet=”left” text_orientation_phone=”” text_orientation_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text content_last_edited=”off|desktop” _builder_version=”4.27.5″ text_font=”|300|||||||” text_text_color=”#628CE0″ text_font_size=”21px” text_line_height=”1.4em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”justified” min_height=”76.6px” custom_margin=”5px|0px|0px|0px|false|false” custom_padding=”||0px|||” custom_padding_phone=”0px|0px|0px|0px|false|false” text_font_tablet=”|300|||||||” text_font_phone=”|300|||||||” text_font_last_edited=”on|phone” text_orientation_tablet=”justified” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n
Luxembourg life insurance is not only for the wealthy, but for anyone seeking a long-term wealth management solution.<\/p>\n
<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.5″ _module_preset=”default” min_height=”2238.4px” custom_margin=”|auto|0px|auto|false|false” custom_padding=”6px||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/telomere.ch\/wp-content\/uploads\/2025\/12\/Luxembourg_life_insurance_1600x1068-1.jpg” title_text=”Luxembourg_life_insurance_1600x1068-1″ _builder_version=”4.27.5″ _module_preset=”default” min_height=”100px” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”|300|||||||” text_font_size=”21px” text_line_height=”1.4em” text_orientation=”justified” custom_padding=”23px||26px|||” custom_padding_tablet=”17px|0px|24px|0px|false|false” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n
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\u2019s assets while complying with current tax regulations. <\/strong><\/p>\n 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\u2019 assets in segregated accounts, managed by banks approved by the Luxembourg Insurance Supervisory Authority (CAA). Policyholders\u2019 assets are thus protected, even in the event of the insurer\u2019s bankruptcy. <\/p>\n 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\u2019s profile and objectives. Additionally, they allow assets to be held in multiple currencies, a particularly useful option for expatriates or individuals with international projects. <\/p>\n 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. <\/p>\n [\/et_pb_text][et_pb_image src=”https:\/\/telomere.ch\/wp-content\/uploads\/2025\/12\/Luxembourg_life_insurance_1600x1068_2.jpg” title_text=”Luxembourg_life_insurance_1600x1068_2″ _builder_version=”4.27.5″ _module_preset=”default” min_height=”100px” global_colors_info=”{}”][\/et_pb_image][et_pb_text disabled_on=”off|off|off” _builder_version=”4.27.5″ _module_preset=”default” text_font=”|300|||||||” text_font_size=”21px” text_line_height=”1.4em” ul_text_align=”left” ul_line_height=”1.4em” text_orientation=”justified” min_height=”403.4px” custom_padding=”20px||0px||false|false” custom_padding_tablet=”18px|0px|33px|0px|false|false” custom_padding_phone=”18px|0px|13px|0px|false|false” hover_enabled=”0″ text_font_tablet=”|300|||||||” text_font_phone=”|300|||||||” text_font_last_edited=”on|phone” text_line_height_tablet=”1.4em” text_line_height_phone=”1.4em” text_line_height_last_edited=”on|desktop” ul_text_align_tablet=”left” ul_text_align_phone=”left” ul_text_align_last_edited=”on|desktop” text_orientation_tablet=”justified” text_orientation_phone=”left” text_orientation_last_edited=”on|tablet” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n 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\u2019s country of residence, at the time of redemption or the insured\u2019s 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. <\/p>\n 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! <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ custom_padding_last_edited=”on|tablet” _builder_version=”4.27.5″ _module_preset=”default” min_height=”210.4px” custom_margin=”8px|-65px||0px|false|false” custom_margin_tablet=”0px|0px|0px|0px|false|false” custom_margin_phone=”|-65px|||false|false” custom_margin_last_edited=”on|phone” custom_padding=”29px||3px|||” custom_padding_tablet=”0px|0px|0px|0px|false|false” custom_padding_phone=”0px|0px||0px|false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/telomere.ch\/wp-content\/uploads\/2025\/12\/Signature-Elizabeth.jpg” title_text=”Signature Eli” src_last_edited=”off|desktop” align_tablet=”left” align_phone=”” align_last_edited=”on|tablet” _builder_version=”4.27.5″ _module_preset=”default” transform_scale=”143%|143%” transform_scale_tablet=”135%|135%” transform_scale_phone=”123%|123%” transform_scale_last_edited=”on|desktop” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|phone” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|phone” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|phone” transform_styles_last_edited=”on|desktop” width=”100%” width_tablet=”99.8%” width_phone=”72%” width_last_edited=”on|desktop” max_width=”100%” module_alignment=”center” min_height_tablet=”” min_height_phone=”” min_height_last_edited=”on|tablet” height=”100px” height_tablet=”100px” height_phone=”100px” height_last_edited=”on|desktop” max_height=”100px” custom_margin=”0px|19px|10px|-28px|false|false” custom_margin_tablet=”0px|0px|0px|0px|false|false” custom_margin_phone=”0px|0px|0px|0px|false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px|0px||104px|false|false” custom_padding_tablet=”0px|0px|17px|97px|false|false” custom_padding_phone=”0px|8px|4px|24px|false|false” custom_padding_last_edited=”on|tablet” transform_styles_tablet=”” transform_styles_phone=”” module_alignment_tablet=”center” module_alignment_phone=”left” module_alignment_last_edited=”on|tablet” border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|desktop” global_colors_info=”{}”][\/et_pb_image][et_pb_text content_last_edited=”off|desktop” _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_font_size=”16px” text_line_height=”0.2em” header_4_text_color=”#2D3654″ width=”100%” min_height=”76.4px” custom_margin=”|||0px|false|false” custom_margin_tablet=”|||0px|false|false” custom_margin_phone=”|0px||0px|false|false” custom_margin_last_edited=”on|tablet” custom_padding=”15px||0px|75px|false|false” custom_padding_tablet=”9px||0px|0px|false|false” custom_padding_phone=”|||0px|false|false” text_font_tablet=”||||||||” text_font_phone=”||||||||” text_font_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n Partner Senior Financial Advisor<\/p>\n Executive Director<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Luxembourg life insurance is designed not only for high-net-worth individuals, but for anyone seeking a long-term wealth planning solution. Increasingly popular among French investors, it combines tax efficiency with enhanced security, flexibility, and performance, while fully complying with current regulations. <\/p>\n","protected":false},"author":3,"featured_media":44968,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[36,35,33,34],"tags":[],"class_list":["post-44969","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-entrepreneurs-en","category-executives","category-latest-news-en","category-telomere-capital-en"],"yoast_head":"\nElizabeth Jacquier, CWMA<\/span><\/span><\/span><\/b><\/h4>\n