Cardif Lux Vie by BNP

Cardif Lux Vie is a Luxembourg life insurance contract issued by BNP Paribas Cardif, designed for investors seeking a secure and flexible framework for long-term wealth structuring within the Luxembourg insurance system. The contract is governed by Luxembourg law and benefits from the country’s investor protection regime, including asset segregation, regulatory supervision by the CAA and the Luxembourg super privilege. Policyholders’ assets are held separately from the insurer’s own balance sheet, guaranteeing a high level of protection throughout the duration of the contract. Cardif Lux Vie provides access to a broad and diversified investment universe. Investors can allocate their assets to a euro general fund with guaranteed capital, external unit-linked funds managed by recognised asset management companies, collective internal funds, as well as Dedicated Internal Funds (FID) accessible from €250,000, allowing discretionary portfolio management in line with individual objectives. The contract offers a high degree of flexibility, with the possibility of making free additional payments, switching at any time, as well as partial or total surrenders under the conditions provided for in the contract. It is suitable for investors with an international profile and cross-border situations, subject to eligibility depending on the country of tax residence. The applicable taxation follows the policyholder’s country of tax residence, in accordance with the principle of tax neutrality. Death protection options may be offered as an option, depending on the chosen structure.