Quality Life AFI ESCA
A Luxembourg life insurance contract designed to make the advantages of the Luxembourg insurance framework accessible from a lower entry threshold, while maintaining a high level of investor protection and flexible investment options.
€15,000
Minimum investment amount
EEA residents
Depending on the jurisdiction
Luxembourg life insurance
Contract type
Multi-currency
According to the selected investments
No euro fund
(Unit-linked structure)
FID available from €250,000
Dedicated Internal Fund
Partial surrenders possible
Partial surrenders possible
Contract presentation
Quality Life is a Luxembourg life insurance contract issued by AFI ESCA Luxembourg. It is intended for investors seeking a secure, regulated and flexible wealth structuring solution, with a relatively accessible entry threshold.
The contract is governed by Luxembourg insurance law and benefits from Luxembourg’s investor protection framework, including asset segregation, regulatory supervision by the CAA and the super privilege granted to policyholders. For a detailed analysis of the protection framework and the functioning of the super privilege applied to AFI ESCA Luxembourg contracts, you can consult our dedicated article. Quality Life is a unit-linked structure and does not offer a euro fund with guaranteed capital.
Investors gain access to a diversified investment universe comprising external unit-linked funds, collective internal funds, as well as Dedicated Internal Funds (FID) available from €250,000. The structure allows mandate-based management, with portfolio construction aligned with the investor’s objectives and risk profile.
Quality Life is particularly suitable for private clients wishing to diversify their wealth, benefit from long-term flexibility and take advantage of Luxembourg life insurance, without the high investment amounts generally required by high-end contracts. The applicable taxation depends on the policyholder’s country of tax residence, in accordance with the principle of tax neutrality.
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 Quality Life contract — from the initial structuring and investment selection to long-term monitoring and adjustments.
Tailor-made structuring
Personalised contract design, aligned with your wealth and succession planning objectives.
Independent investment selection
Support in choosing funds and management solutions adapted to your situation.
Long-term support
Ongoing assistance as your situation, objectives or market conditions evolve.
Luxembourg expertise
Specialised advice within the framework of Luxembourg life insurance.
Investment universe
Quality Life offers a flexible and diversified investment framework, suited to a wide range of investor profiles.
Unit-linked funds
Fonds externes (UC)
Access to around 150 external unit-linked funds, managed by recognised asset management companies.
Gestion collective
Fonds Internes Collectifs (FIC)
Collective investment strategies managed according to predefined mandates.
Tailor-made management (via FID)
Fonds Internes Dédiés (FID)
Discretionary portfolio management available from €250,000.
Key benefits
Accessible entry threshold from €15,000
Delegation of portfolio management to professional managers
Investor protection in Luxembourg and benefit of the super privilege
Taxation applicable according to the policyholder’s country of residence
Multi-currency investment possibilities
Risk management tools, such as stop-loss mechanisms
Fees and operating conditions – Quality Life (AFI ESCA Luxembourg)
Fee type | Conditions |
|---|---|
Entry fees | Up to 1% maximum (negotiable depending on the amount invested) |
Management fees (unit-linked funds / UC) | Up to 2% per year |
Switching fees | 2 free switches per year, then 1% per switch |
Partial surrender fees | None |
Minimum initial investment | 15 000 € |
Additional payments | From €3,000 |
FID access | From €250,000 |
Minimum remaining balance | According to the conditions of the contract |