Allianz Life Luxembourg
Contrat Global Invest Evolution France
Global Invest Evolution is a Luxembourg life insurance contract offered by Allianz Life Luxembourg, designed for European and international wealth clients seeking long-term security, flexibility and diversification.
€250,000
Minimum investment
EU residents (27 European Union countries)
Eligible residents
Luxembourg life insurance
Contract type
EUR
Devises
Yes (general fund)
Euro funds
Yes (from €250,000)
FID / Dedicated Internal Funds
From €10,000
Partial surrenders
Contract overview
Global Invest Evolution is a Luxembourg life insurance contract offered by Allianz Life Luxembourg, intended for European and international wealth clients seeking a stable, flexible and sustainable solution for structuring their wealth. The Luxembourg subsidiary relies on the strength of the Allianz Group, present in more than 70 countries, and serves as the group’s European hub for wealth and expatriate clients through the freedom to provide services (LPS).
The contract is governed by Luxembourg insurance law and benefits from Luxembourg’s own protection framework, including asset segregation, supervision by the Commissariat aux Assurances (CAA) and the Luxembourg security triangle. These mechanisms aim to protect policyholders’ assets in the event of the company’s default, without constituting a performance guarantee.
Accessible from €250,000, Global Invest Evolution offers a multi-support architecture combining euro funds, external unit-linked funds and internal solutions. The euro fund is backed by Allianz’s general fund in France and provides a capital-guaranteed component, while the unit-linked funds allow extensive diversification. From certain thresholds, discretionary management via Dedicated Internal Funds (FID) can be implemented.
The applicable taxation depends exclusively on the policyholder’s country of tax residence, in accordance with the principle of Luxembourg tax neutrality. Regarding the Sapin 2 law, only the portion invested in the French euro fund could theoretically be affected by exceptional measures, while unit-linked funds under the Luxembourg framework are not subject to it.
Global Invest Evolution is mainly intended for affluent and high-net-worth investors wishing to consolidate their assets, diversify their investments and structure their wealth over the long term within a recognised European insurance framework backed by the strength of the Allianz Group.
Philippe M.
French entrepreneur
With professionalism, transparency and great expertise, they clearly explained to me how life insurance in Luxembourg works and adapted the entire process to my personal situation. I felt perfectly taken care of from beginning to end.
Why work with us ?
We support you throughout the entire life cycle of Global Invest Evolution — from structuring and implementation to investment selection and ongoing portfolio monitoring. Our support is independent, transparent and adapted to complex wealth situations.
Tailor-made structuring
We design the contract architecture according to your financial objectives, your risk profile and your tax considerations.
Extensive access to investments
Funds, ETFs, euro funds, alternative strategies and managed portfolios.
Long-term partnership
Ongoing support as your financial situation or residence evolves.
European Expertise
Specialised in cross-border planning for investors based in the European Union.
Investment universe
Global Invest Evolution offers a balanced combination of security, diversification and tailor-made portfolio management — all within a flexible French life insurance contract.
Guaranteed
General fund (EUR)
Euro fund backed by Allianz Vie France’s general fund
Diversified
Fonds externes (UC, multidevises)
Access to equities, bonds, real estate and global multi-asset strategies.
Tailor-made
Discretionary management (FID)
Dedicated discretionary management from €250,000
Key benefits
Large selection of investment funds
No obligation to make regular additional payments
Switches and reallocations at any time
Access to discretionary managed portfolios
Attractive tax framework of French life insurance
Strong investor protection under Luxembourg law
Fees and operating conditions – Global Invest Evolution (Allianz Life Luxembourg)
Fee type | Conditions |
|---|---|
Entry fees | Up to 5% (negotiable) |
Management fees (euro funds) | Up to 1% per year |
Management fees (external funds / unit-linked funds) | According to the discretionary management mandate |
Management fees (FID) | According to the discretionary management mandate |
Switching fees | Minimum €50 per switch, up to 1% of the switched amount |
Partial surrender fees | None |
Minimum initial payment | 250 000 € |
Additional payments | From €50,000 |
Advances | Not specified (according to the contractual conditions) |