A Luxembourg life insurance contract from Generali designed for investors wishing to diversify their wealth with a solid international insurer and a high degree of investment flexibility.
Accessible from €250,000, it is intended for investors seeking a high-end Luxembourg life insurance solution.
Minimum investment
Eligible residents
Contract type
Currencies
Euro funds
FID available
Partial surrenders
Generali Espace Lux Vie is a Luxembourg life insurance contract offered by Generali Luxembourg, a subsidiary of one of the world’s leading insurance groups and the leading life insurer in Europe. The contract is governed by Luxembourg insurance law and benefits from the country’s investor protection framework, including asset segregation, regulatory supervision and the Luxembourg super privilege.
The contract is designed for investors seeking a combination of capital protection, investment flexibility and long-term wealth structuring within a stable European jurisdiction. A euro-denominated General Fund provides capital protection through a ratchet mechanism, allowing policyholders to secure all or part of their capital while permanently locking in the gains acquired over time.
At the same time, Generali Espace Lux Vie provides access to a wide range of external unit-linked funds, selected from recognised international asset management companies. These investment vehicles cover diversified asset classes such as equities, bonds, real estate and international markets, and may also include exchange-traded funds (ETFs) as well as certain alternative investment strategies, including private equity, subject to eligibility criteria and contractual conditions.
For larger portfolios, Dedicated Internal Funds (FID) are available from an initial investment of €250,000. These structures allow discretionary management under mandate, with investment strategies defined according to the policyholder’s objectives, risk profile and diversification requirements.
Generali Espace Lux Vie offers flexible operating conditions, including free payments, switches at any time and the possibility of partial surrenders from €10,000, while benefiting from the Luxembourg principle of tax neutrality, under which the applicable taxation depends on the policyholder’s country of tax residence.
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.
Our independence is your advantage. As a regulated broker with no capital ties to insurers or asset management companies, our recommendations are guided exclusively by your interests.
Ideal for expatriates and international families. Your contract remains valid and advantageous regardless of your country of residence.
We remain committed throughout the duration of your contract, monitoring performance and making the necessary adjustments.
We master compliance requirements across different jurisdictions, ensuring that your structure remains optimised.
Our remuneration is paid by the insurers — you do not pay any additional fees for our advisory services.
With guaranteed capital
Capital protected with a ratchet effect
Diversified investment universe
Access to equities, bonds, real estate and global markets
Discretionary management
Tailor-made asset management from €250,000
The Generali Luxembourg life insurance contract is primarily intended for investors with structured capital.
It is suitable for the following profiles:
investors wishing to diversify their wealth
French tax residents seeking an international solution
expatriates or internationally mobile individuals
investors wishing to access a variety of investment vehicles
Past performance does not guarantee future results. Investment involves risks, including the possible loss of capital. Returns may vary depending on market conditions and individual circumstances.
The Generali Luxembourg life insurance contract is not suitable for all profiles.
It may be less relevant if:
the available capital is limited
the objective is exclusively short-term
no diversification is being sought
simple and less flexible management is preferred
In these cases, other solutions may be more suitable.
Fee type | Conditions |
|---|---|
Entry fees | Up to 4.5% |
Management fees (general fund) | Up to 0.9% per year |
Management fees (external funds / unit-linked funds) | Up to 1.5% per year |
Management fees (FID) | Up to 2% per year |
Management fees (FID) | Up to 0.5% per transaction |
Partial surrender fees | None |
Minimum initial investment | €250,000 |
Minimum remaining balance | €20,000 |
The Generali Espace Lux Luxembourg contract is positioned as a high-end Luxembourg life insurance solution.
Among its strengths are the solidity of the Generali group, the Luxembourg regulatory framework and the diversity of investment vehicles. Access to Dedicated Internal Funds also represents an advantage for larger wealth portfolios.
The contract offers good flexibility and a real ability to adapt. It allows personalised investment strategies to be built. However, the minimum investment level limits its accessibility. The fees must also be analysed according to the strategy implemented. Overall, Generali Luxembourg life insurance remains a relevant solution for investors wishing to structure wealth within a secure and flexible framework.
