Swiss Life Premium Lux
A high-end Luxembourg life insurance contract intended for an affluent and internationally mobile clientele seeking long-term protection, great investment flexibility and tax-efficient wealth structuring.
€250,000
Minimum investment
EEA residents
Eligible residents
Luxembourg life insurance
Contract type
EUR, USD, CHF, GBP
Devises
Yes (general fund)
Fonds en euros
Yes (from €250,000)
FID / Dedicated Internal Funds
From €10,000
Partial surrenders
Contract overview
Swiss Life Premium Lux is a high-end Luxembourg life insurance contract issued by Swiss Life Luxembourg, designed mainly for French tax residents seeking a long-term, stable, secure and flexible wealth structuring solution.
The contract is governed by Luxembourg insurance law and benefits from Luxembourg’s robust investor protection framework, including asset segregation, regulatory supervision by the CAA and the Luxembourg super privilege. This structure guarantees a high level of protection for policyholders throughout the lifetime of the contract.
Swiss Life Premium Lux offers a multi-currency investment framework combining capital-protected euro funds with a wide selection of external unit-linked funds. Investors can also access Dedicated Internal Funds (FID) from €250,000, allowing discretionary portfolio management in line with individual objectives and risk profile.
The contract offers great flexibility, with free payments, the possibility of arbitrage at any time and partial surrenders under the conditions provided for in the contract. It is particularly suited to long-term planning strategies, including asset protection, portfolio diversification and preparation for wealth transfer within a stable European framework.
Optional death cover may be offered depending on the option chosen.
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 offer comprehensive support throughout the entire life cycle of your Swiss Life Premium Lux contract — from the initial structuring to ongoing portfolio monitoring. Our advisory approach is transparent, independent and adapted to complex international wealth situations.
Tailor-made structuring
We design a structure aligned with your objectives, your residence and your long-term planning needs.
Independent access to investments
Choose from funds, ETFs, discretionary management mandates, alternative assets and FIF/FAS solutions.
Long-term partnership
We provide ongoing monitoring and regular adjustments as your international situation evolves.
Cross-border expertise
Ideal for internationally mobile clients with multi-jurisdictional requirements.
Investment universe
Swiss Life Premium Lux offers an extensive investment universe, allowing clients to combine secure, diversified and tailor-made portfolio strategies within a single insurance contract.
Guaranteed
General fund (EUR)
Euro fund with guaranteed capital and profit sharing
Diversified
External funds (more than 800 eligible supports)
Access to equities, bonds, real estate and multi-asset funds worldwide.
Tailor-made (via FID)
Dedicated Internal Funds (FID)
Tailor-made asset management from €250,000
Key benefits
Large selection of investment funds
No obligation to make recurring payments
Switching possible at any time
Access to FIF/FAS discretionary management structures
Principle of Luxembourg tax neutrality
Strong investor protection under Luxembourg law
Fees and operating conditions – Swiss Life Premium Lux
Fee type | Conditions |
|---|---|
Entry fees | Up to 4.5% |
Management fees (general fund) | Up to 0.80% per year |
Management fees (external funds / unit-linked funds) | Up to 2% per year |
Management fees (FID) | According to the discretionary management mandate |
Switching fees (manual) | Up to 1% per transaction |
Switching fees (automatic) | Up to 0.5% per transaction |
Partial surrender fees | None |
Minimum initial investment | €250,000 |
Minimum remaining balance | According to the conditions of the contract |