Up to 1% per year
A modern Luxembourg life insurance contract offering strong policyholder protection, high investment flexibility and long-term wealth structuring for informed international investors.
25 000 € (fonds externes)
Minimum investment
EEA residents
Eligible residents
Luxembourg life insurance
Contract type
The currencies depend on the underlying investment vehicles.
Currencies
No euro fund
(Unit-linked structure)
Yes (from €125,000)
FID / FAS available
Partial surrenders possible
(subject to the contractual conditions)
Contract overview
Baloise Profolio is a Luxembourg life insurance contract issued by Bâloise Vie Luxembourg S.A., designed for investors seeking a flexible unit-linked wealth structuring solution within the Luxembourg insurance framework.
The contract is governed by Luxembourg law and benefits from the country’s investor protection regime, including asset segregation and regulatory supervision. Profolio is a unit-linked structure and does not include a capital-guaranteed euro fund.
Investors can access a broad investment universe including external funds, collective internal funds, Dedicated Internal Funds (FID) and Specialised Insurance Funds (FAS). Dedicated and specialised structures are available from €125,000, allowing discretionary portfolio management in line with the investor’s objectives and risk profile.
Profolio is particularly suited to internationally mobile clients seeking portfolio diversification, cross-border portability and long-term wealth structuring within a stable European insurance 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 you throughout the entire life cycle of your Baloise Profolio contract — from structuring to investment selection and ongoing monitoring. Our transparent and independent approach is adapted to international clients with complex financial needs.
Tailor-made structuring
Contract designed according to your wealth objectives and tax framework.
Access to an open architecture
Funds, ETFs, euro funds, alternative assets and discretionary management mandates (FAS/FID).
Long-term partnership
Ongoing support as your residence, family situation or financial circumstances evolve.
Cross-border expertise
Ideal for mobile clients with assets and planning needs across several countries.
Investment universe
Baloise Profolio offers a comprehensive investment universe, allowing clients to structure portfolios focused on security, diversification or tailor-made discretionary 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 (FIC)
Collective investment strategies within the Luxembourg insurance framework.
Tailor-made (via FID / FAS)
Dedicated Internal Funds / Specialised Insurance Funds
Discretionary management available from €125,000.
Key benefits
Large selection of investment funds
No obligation to make regular additional payments
Switches and reallocations possible at any time
Exceptional investor protection under Luxembourg law
Luxembourg tax framework and cross-border portability
Strong investor protection under Luxembourg law
Fees and operating conditions – Baloise Profolio (Bâloise Vie Luxembourg)
Fee type | Conditions |
|---|---|
Entry fees | Up to 5% (negotiable, decreasing according to the amount invested) |
Management fees (unit-linked funds / UC) | Up to 1.2% per year |
Management fees (FID / FAS) | According to the discretionary management mandate |
Switching fees | According to the contractual conditions |
Partial surrender fees | None |
Minimum initial payment | 25 000 € |
Additional payments | From €5,000 |
FID / FAS access | From €125,000 |
Minimum remaining balance | According to the contractual conditions |