Life Mobility Evolution by AG2R La Mondiale

A high-end cross-border life insurance contract offered by La Mondiale Europartner (AG2R La Mondiale), designed for international clients seeking security, flexibility, and effective long-term wealth planning.

€100.000

Minimum investment

Residents of the EEA

Eligible residents

Luxembourg life insurance

Type of contrat

EUR, USD, GBP, CHF

Currencies

Yes (general fund)

Fonds en euros

Yes (from €250,000)

FID / Dedicated internal funds

Partial withdrawals available

Contract overview

Life Mobility Evolution is a Luxembourg life insurance contract issued by La Mondiale Europartner, a subsidiary of AG2R La Mondiale, and governed by Luxembourg insurance regulations under the supervision of the CAA.

The contract is designed for an international and cross-border clientele seeking a flexible structure capable of evolving according to their personal, professional, and tax situation. It allows asset management in several currencies and investments through a wide range of solutions, including capital-guaranteed funds, diversified unit-linked funds, collective internal funds, as well as discretionary management via Dedicated Internal Funds (FID) from €250,000.

Life Mobility Evolution offers a high degree of operational flexibility, with free contributions, immediate arbitrage possibilities, and liquidity ensured through partial withdrawals under the conditions provided for in the contract. The contract remains adaptable over time, making it particularly suitable for expatriates, internationally mobile families, and investors holding assets in several jurisdictions.

The applicable taxation follows the policyholder’s country of tax residence, in accordance with the principle of tax neutrality, while benefiting from Luxembourg’s investor protection framework, including asset segregation and the super privilege.

With professionalism, transparency, and great expertise, they clearly explained how life insurance works in Luxembourg and adapted the entire process to my personal situation. I felt perfectly supported from start to finish.

Why work with us?

We support you throughout the entire life cycle of your Luxembourg life insurance contract — from structuring and implementation to investment selection and ongoing monitoring over time. Our approach is independent, transparent, and designed to meet complex and cross-border wealth situations.

Tailor-made structuring

We design the contract and investment architecture according to your objectives and tax profile.

Independent access to investments

Open architecture: funds, ETFs, mandates, alternative solutions, structured products, FID solutions.

Long-term partnership

We provide ongoing support as your residence, objectives, or portfolio needs evolve.

Cross-border expertise

Specialized in supporting international clients with multi-jurisdictional requirements.

Investment universe

The Life Mobility Evolution contract offers one of the most flexible investment frameworks in Europe, combining guaranteed assets, diversified external funds, and tailor-made portfolio structures.

With guaranteed capital

General fund (EUR)

Protected capital with a ratchet effect

Diversified

External funds (unit-linked funds)

Access to equities, bonds, real estate, and global markets

Tailor-made (via FID)

Dedicated Internal Funds (FID)

Tailor-made asset management from €250,000

Key benefits

Wide selection of investment funds

No obligation for regular additional contributions.

Arbitrage possible at any time

Access to Dedicated Internal Funds (FID/FAS)

Principle of Luxembourg tax neutrality

Strong investor protection under Luxembourg law

Fees and operating conditions – Life Mobility Evolution (AG2R La Mondiale)

Type of fees	Conditions
Entry fees	Up to 5% · 0% from €250,000
Management fees (unit-linked funds / UC)	Up to 1.5% per year (degressive according to the amount invested)
Management fees (FID)	According to the discretionary management mandate
Arbitrage fees	1 free arbitrage per year, then 0.5% (capped at €1,000)
Partial withdrawal fees	None
Minimum initial contribution	250 000 €
FID access	From €250,000
Private Equity access	From €500,000
Minimum remaining balance	According to the contractual conditions

Life Mobility Evolution documentation

Brochure commerciale Life Mobility Evolution

Life Mobility Evolution factsheet

Life Mobility Evolution – accepted countries

La Mondiale Factsheet – Diversified Euro Guaranteed Fund – EuroCit Lux – 27-08-14

List of eligible external funds – Life Mobility Evolution – La Mondiale

From what amount is the WEALINS Life contract accessible?

The WEALINS Life contract is accessible from an initial investment of €250,000. This threshold reflects the contract’s high-end positioning and tailor-made architecture, designed for structured or international wealth.

From what amount can Dedicated Internal Funds (FID) be accessed?

Access to a Dedicated Internal Fund (FID) is possible from €250,000. This structure allows personalized portfolio management entrusted to an external asset manager, within the secure framework of Luxembourg life insurance.

Does the WEALINS Life contract allow investment in Private Equity?

Yes. Access to Private Equity is possible through Dedicated Internal Funds, generally from €500,000, subject to suitability with the policyholder’s risk profile and wealth structure.

Why does the WEALINS Life contract not offer euro funds?

WEALINS Life is structured exclusively in unit-linked funds in order to offer greater investment flexibility and broader access to diversified strategies. This positioning allows for a more personalized wealth allocation, suited to profiles seeking advanced structuring rather than a guaranteed return.

Is the contract liquid, and can withdrawals be made?

Yes. Partial withdrawals are possible at any time, in accordance with the contractual conditions. However, liquidity depends on the nature of the assets held, particularly in the presence of unlisted instruments or alternative strategies.

What long-term fees should be anticipated?

Fees vary depending on the investment vehicles and the selected management method. They may include: entry fees, often zero from €250,000, annual management fees on unit-linked funds, specific fees related to FID mandates, capped arbitrage fees. The recommended approach is based on an analysis of the overall long-term cost, rather than on an isolated criterion.

Is the WEALINS Life contract affected by the Sapin 2 law?

No. Luxembourg life insurance contracts do not fall under the French regulatory framework and are not subject to the blocking mechanisms provided for by the Sapin 2 law.

What happens in the event of the policyholder’s death?

Upon death, the contract is transferred according to the defined beneficiary clause. WEALINS Life can include different death benefit guarantee options, allowing the transfer of capital to be adapted to the policyholder’s estate planning objectives.

Is the contract suitable for non-European residents?

WEALINS Life is primarily intended for residents of the European Economic Area. However, personalized solutions may be considered on a case-by-case basis for certain international profiles, subject to regulatory compliance.

What is the difference between WEALINS Life and other Luxembourg contracts?

WEALINS Life stands out for: a strong capacity for tailor-made structuring, extended access to FID and complex assets, great multi-currency flexibility, a strong focus on international wealth and wealthy families.

Who is the WEALINS Life contract not suitable for?

This contract is generally not suitable for investors seeking: a short-term product, a guaranteed return, 100% autonomous management without support, or a standard savings solution with a low entry ticket.

In which cases is WEALINS Life particularly relevant?

cross-border estate structuring, consolidation of assets held in several countries.

Frequently Asked Questions – Life Mobility Evolution (AG2R La Mondiale)

FAQ

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