Secure your wealth with Luxembourg life insurance — starting from €15,000. Benefit from flexible solutions, tax-efficient structuring, and 0% entry fees.
Luxembourg offers a unique Security triangle model: a legally protected structure that guarantees the safety of your capital — even in the event of insurer default. This framework differs from the French system, particularly in cases of exceptional measures such as the Sapin 2 law.
All assets are held by a separate custodian bank, fully independent from the insurer, under the supervision of Luxembourg’s insurance regulator, the CAA.
Luxembourg does not set any coverage limit: your investment is fully protected, regardless of the amount.
As a policyholder, you are a preferred creditor.
Your invested capital is repaid before any other claims — in accordance with the Luxembourg Super Privilege.
Luxembourg Life Insurance combines the strength of European regulation with full flexibility in asset management.
Whether you prefer a conservative investment approach or are looking for international diversification, your portfolio remains fully protected and accessible at any time.
Start from €15,000 with full access to all services
Taxation applies only in your country of residence
Professionally managed portfolios.
Every euro you invest works for you.
We respond to every client request within 24 hours.
Average portfolio return
Client assets under management
Founder, Épargne Plurielle
23 years of experience
Épargne Plurielle is the leading independent wealth management broker specialising in Luxembourg contracts. Our independence ensures transparent selection and impartial advice, focused exclusively on your interests.
Learn more about Épargne Plurielle
Unlike traditional banks or insurers, Épargne Plurielle charges no entry fees on portfolios above €100,000. Every euro is invested without being reduced by fees — helping your wealth grow from day one.
Build a portfolio as international as your life.
Access more than 1,500 funds in euros, US dollars, or British pounds — within a single secure Luxembourg life insurance contract, including tailored management structures such as the Dedicated Internal Fund (FID)
From the first consultation to regular performance reviews, you always speak with the same advisor. Your dedicated expert understands your objectives — and adapts your strategy as they evolve.
Every Luxembourg Life Insurance solution begins with a structured analysis of your objectives, financial situation, and individual requirements.
Our role is exclusively advisory and independent, ensuring that every recommended structure is suitable, compliant with the regulatory framework, and aligned with your long-term interests.
Nous travaillons uniquement avec les assureurs luxembourgeois les plus réputés. Chaque contrat présente des avantages uniques — des fonds en euros à capital garanti aux mandats de gestion flexibles.
We work exclusively with the most reputable Luxembourg insurers. Each contract offers unique advantages — from capital-guaranteed euro funds to flexible discretionary management mandates.
Dedicated AFIESCA solution for French tax residents in France and in more than 35 countries.
A responsive Luxembourg-based pure-player insurer, offering strong flexibility in alternative investments and an excellent solvency ratio.
Accessible from €250,000, with one of the best back offices on the market and high-performing euro funds, although these remain subject to the Sapin 2 law.
Offers one of the most extensive lists of accepted countries outside France.
A premium, tailor-made solution designed for discerning investors.
Luxembourg life insurance gives you complete freedom to invest across global markets and currencies — from traditional funds to alternative assets such as real estate — all within a secure, regulated structure designed for long-term growth.
Thanks to Luxembourg’s tax-neutral regime, only the tax rules of your country of residence apply, allowing you to grow and manage your wealth efficiently on an international basis.
In addition to traditional financial investments, Luxembourg life insurance can also provide access to private equity under certain conditions. This involves investments in unlisted companies, held within a secure and strictly regulated insurance wrapper. Access to private equity within a Luxembourg contract depends on the chosen management model, the amount invested, and the investor’s profile. These investments are designed for the long term and primarily aim to diversify wealth beyond listed markets. The main use cases include:
Luxembourg life insurance is a recognised wealth structuring solution used by private investors, entrepreneurs, and internationally mobile families.
A Luxembourg life insurance contract works as a flexible investment wrapper governed by a strict European regulatory framework. Assets are held separately from the insurer’s balance sheet and benefit from a unique level of investor protection in Europe.
In practice, this wealth structuring is often accompanied by the opening of a bank account in Luxembourg, particularly to facilitate the day-to-day management of financial flows.
Subscription to a Luxembourg life insurance policy can be completed entirely online, without travel, with personalised support at every step.
However, it is not a standardised “online” product, but a structured contract subject to enhanced regulatory requirements (KYC, source of funds, approval by the insurer and the custodian bank).
This structure combines legal security, international investment flexibility, and tax neutrality. The applicable taxation depends exclusively on the policyholder’s country of tax residence, making it particularly suitable for cross-border situations.
Accessible from €15,000, Luxembourg life insurance allows long-term investment across a wide range of asset classes, currencies, and management styles, while maintaining a robust and proven protection framework.
This comparison is intended to clarify the structural wealth-planning differences between a French contract and a Luxembourg contract. It does not constitute a recommendation or a promise of performance.
Criterion
French national regime
ACPR (France)
Assets included on the insurer’s balance sheet
Non-priority creditor
Limited guarantee in the event of default
Possible national mechanisms (e.g. Sapin 2)
Standard self-directed or managed investment options
Investment options referenced by the insurer
Very limited
No
Low
Domestic savings and wealth transfer
Criterion
Specific European regime (Luxembourg)
Commissariat aux Assurances – CAA
Strict separation between the insurer and client assets
First-ranking creditor (Super Privilege)
No legal protection limit
A distinct framework from the French system
Self-directed, collective, or tailor-made management options
Broader investment universe depending on the contract and investor profile
Accessible under certain conditions
Yes
High
International wealth structuring
Luxembourg life insurance contracts are designed to offer a transparent and competitive fee structure. Costs may vary depending on the selected insurer, the amount invested, and the chosen management options.
The main fee components generally include:
Entry fees, often reduced or waived above certain investment thresholds
Annual management fees applied to the invested assets
Switching or transaction fees when reallocating portfolios.
There are no hidden fees. All costs are disclosed before subscription and may be negotiated depending on the size and structure of the investment.
In addition to life insurance, Luxembourg also offers the capitalisation contract,
a wealth structuring vehicle used for long-term asset holding and specific wealth planning needs.
A capitalisation contract is not linked to a life insured person and does not automatically terminate upon death. It can be held by both individuals and legal entities and benefits from the same Luxembourg regulatory framework.
The Luxembourg capitalisation contract
Long-term asset holding
Wealth transfer and succession strategies.
Épargne Plurielle provides its advisory services within a strictly regulated and supervised framework. Our mission is governed by professional obligations designed to ensure investor protection and the compliance of all recommendations.
Authorised to advise on and distribute insurance solutions in accordance with applicable regulations.
Member of professional organisations that ensure compliance with strict ethical and professional standards.
Advisory activity carried out under the supervision of the competent authorities.
Protection provided through regulatory coverage designed to safeguard clients’ interests.
Opening a Luxembourg life insurance policy follows a structured and secure process. You begin by defining your objectives: capital protection, returns, wealth transfer, or international mobility.
Next, a risk profile is established in order to build an allocation that is consistent with your investment horizon.
The key stage is the preparation of the application file. The insurer requires specific documents relating to your identity, tax residence, and, above all, the source of funds.
Once the file has been approved by the insurer and the custodian bank, the policy is activated. In practice, the timeframe can range from a few days to several weeks, depending on the complexity of the situation.
Luxembourg insurers apply strict compliance rules to ensure the traceability of capital.
The documents generally required include:
proof of identity
proof of address
proof of tax residence
documents proving the source of funds
The source of funds is a central element. It demonstrates that the capital is legal and complies with regulatory requirements.
The more international or complex your situation is, the more detailed the supporting documents need to be. Preparing these elements in advance can significantly reduce the time required to open the policy.
Sapin 2 is a mechanism specific to France. In certain exceptional situations, it allows withdrawals from French contracts to be temporarily restricted.
Luxembourg life insurance does not fall under this legal framework. It is based on a different structure, particularly through the Security Triangle.
However, this does not mean instant liquidity. Withdrawals remain subject to the terms of the contract, operational processing times, and compliance checks.
A Luxembourg contract includes several layers of fees:
The key is to focus on the total annual cost. A contract with 0% entry fees can become more expensive over time if ongoing fees are high.
Optimisation is about finding the right balance between costs, the quality of investment options, and expected performance.
Upon withdrawal, only the gains portion is taxed. The initial invested capital is not subject to taxation.
The withdrawal is calculated using a pro-rata allocation between capital and capital gains. It is therefore not possible to withdraw only the original capital.
This mechanism is essential to understand in order to anticipate the tax impact of a withdrawal.
If you are a French tax resident, certain reporting obligations may apply to contracts held abroad.
Taxation remains aligned with your country of residence. However, the requirement to declare the contract depends on your individual situation.
Tailored guidance helps verify these obligations and avoid any administrative errors.
The choice is based on several concrete criteria:
• financial strength of the insurer
• quality of service and back office
• available investment universe
• multi-currency options
• withdrawal conditions
The custodian bank plays a key role in protecting assets. Funds are held separately from the insurer within a strictly regulated framework.
The FID (dedicated internal fund) enables tailor-made management, with a personalised strategy defined according to your objectives and risk profile.
The FAS (specialised insurance fund) provides broader access to more complex asset classes, such as private equity or certain specific investments.
These solutions become relevant when the wealth structure is sufficiently developed and needs go beyond standard solutions.
They also require a better understanding of risks and a precise regulatory framework.
Multi-currency is relevant if you have income, expenses, or projects in different currencies.
Otherwise, it may introduce additional currency risk and increase volatility.
Its real benefit therefore depends on your personal situation and your international exposure.
Yes, Luxembourg life insurance allows access to unlisted assets under certain conditions.
These investments offer diversification potential, but involve:
They should be integrated into a balanced overall strategy.
The beneficiary clause is a key element. It allows for the precise organisation of capital transfer.
It must be adapted to:
-your family situation
-your tax residence
-your marital regime
A poorly drafted clause can create blockages or inconsistencies. A tailored wording helps avoid these risks.
The Luxembourg structure offers a high level of legal protection, but it does not eliminate investment-related risks.
The main risks include:
market fluctuations
currency risk
liquidity of certain assets
accumulation of fees
Good asset allocation and regular monitoring help to manage these risks.
A well-performing contract is based on structured monitoring:
-initial allocation adapted to your profile
-regular reviews (quarterly or semi-annually)
-rebalancing when necessary
-adjustments based on life events
Clear and transparent reporting is essential to track performance and make informed decisions.