Lombard International
Lombard Liberty Lux contract
A high-end Luxembourg life insurance contract intended for wealthy international investors, offering an open investment architecture, strong legal protection and advanced wealth structuring options.
€250,000
Minimum investment
Strong investor protection under Luxembourg law
Eligible residents
Luxembourg life insurance
Contract type
Multi-currency
(according to the underlying investments)
No euro fund
(Unit-linked structure)
Yes (from €250,000)
FID / Dedicated Internal Funds
Partial withdrawals available
Partial surrenders
Contract overview
Lombard International Assurance is a Luxembourg insurer specialising in unit-linked life insurance solutions intended for private wealth management and wealthy international investors. Present in more than 20 countries, the company is recognised for its cross-border expertise, its mastery of regulatory issues and its ability to support complex wealth situations over the long term.
The Liberty Lux 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 super privilege granted to policyholders. Structured exclusively in unit-linked funds, with no guaranteed euro fund, the contract prioritises allocation flexibility, international diversification and access to advanced asset classes.
Accessible from €250,000, Liberty Lux offers an open investment architecture providing access to external funds, collective internal funds, as well as Dedicated Internal Funds (FID) and Specialised Insurance Funds (FAS). This structure makes it possible to integrate tailor-made strategies, including unlisted assets such as private equity, real estate or infrastructure, depending on the defined risk profile and wealth objectives. Management may be either self-directed or delegated to selected managers.
The contract may be denominated in the main international currencies (EUR, USD, CHF, GBP, JPY, etc.), with increased flexibility within the framework of an FID or FAS. The applicable taxation depends exclusively on the policyholder’s country of tax residence, in accordance with the principle of Luxembourg tax neutrality, making it a suitable solution for internationally mobile clients.
Liberty Lux does not fall within the scope of the Sapin 2 law, as this applies to insurers established in France. As a Luxembourg life insurance contract invested in unit-linked funds and subject to Luxembourg law, the contract is based on a distinct framework founded on the security triangle and the legal protection of policyholders, without constituting a guarantee of performance or immediate liquidity in all circumstances.
This contract is mainly intended for wealth clients with significant assets, such as business owners, self-employed professionals, international families or expatriates, seeking a high-end Luxembourg life insurance solution to structure, diversify and transfer their wealth within a stable and recognised legal environment.
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 our clients throughout the entire life cycle of their Liberty Lux contract — from structuring and implementation to portfolio selection and ongoing multi-jurisdictional advice. Our approach is independent, transparent and designed for complex international wealth planning.
Tailor-made structuring
Contract architecture aligned with your wealth, succession and tax objectives.
Access to an open architecture
Access to funds, ETFs, discretionary management mandates, alternative assets, FAS/FID structures and international asset management companies.
Long-term partnership
We review and adapt your contract as your residence, objectives or market conditions evolve.
Expertise transfrontalière
Ideal for clients with international mobility, assets spread across several countries or complex private wealth needs.
Investment universe
Liberty Lux offers an extensive global investment universe, combining security, diversification and fully tailor-made portfolio management.
In unit-linked funds
External funds (unit-linked funds)
Access to a wide range of external funds covering different asset classes.
Collective management
Collective internal funds
Collective investment strategies within the Luxembourg insurance framework.
Tailor-made (via FID)
Dedicated Internal Funds (FID)
Tailor-made asset management from €250,000
Key benefits
Broad access to investments through an open architecture
No obligation to make regular payments
Switches and reallocations at any time
Access to tailor-made FAS/FID discretionary mandates
Luxembourg tax framework and protection of private wealth
Strong investor protection under Luxembourg law
Fees and operating conditions – Liberty Lux (Lombard International)
Fee type | Conditions |
|---|---|
Entry fees | Up to 5% |
Management fees (unit-linked funds / UC) | Up to 2% per year |
Switching fees | 2 free switches per year, then 0.5% |
Partial surrender fees | None |
Minimum initial payment | 250 000 € |
Minimum remaining balance | According to the contractual conditions |