Wealins Life

A high-end cross-border life insurance contract designed by WEALINS for international clients seeking tailor-made wealth structuring, strong regulatory protection, and exceptional investment flexibility.

€250,000

Minimum investment

EEA residents

Eligible residents

Luxembourg life insurance

Type of contrat

Multi-currency

(depending on the selected investments)

No euro fund.

(unit-linked structure)

Yes (from €250,000)

FID / Dedicated Internal Funds

Partial withdrawals possible.

Partial withdrawals

Contract overview

WEALINS Life is a tailor-made Luxembourg life insurance contract designed for high-net-worth individuals, entrepreneurs, expatriates, and families with cross-border wealth planning needs. Backed by the financial strength of the Baloise Group and regulated within the framework of the Luxembourg “Security Triangle”, the contract offers exceptional investor protection, asset segregation, and long-term structural stability.

The product offers open-architecture access to investments, multi-currency flexibility, and a wide range of portfolio solutions — including euro funds, external unit-linked funds, discretionary management mandates, as well as tailor-made internal funds (FAS/FID) set up with external asset management companies.

WEALINS Life naturally adapts to evolving personal, tax, and international situations, making it an ideal tool for estate planning, tax-efficient structuring, international asset consolidation, and long-term investment strategies for sophisticated private clients.

In practice, this type of contract is commonly used by internationally mobile investors who need a stable structure despite changes in residence, taxation, or asset allocation. Unlike domestic life insurance contracts, it allows assets to be managed and reorganized without calling the existing structure into question, making it particularly suited to long-term planning and cross-border situations.

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 WEALINS Life contract — from the initial structuring and investment selection to ongoing monitoring and long-term wealth consolidation. Our approach is transparent, independent, and designed for complex international profiles.

Tailor-made structuring

Personalized contractual architecture, aligned with your wealth and estate planning strategy

Access to open architecture.

Funds, ETFs, euro funds, alternative assets, discretionary management mandates, FAS/FID structures

Long-term partnership

Long-term support as your needs, residence, or family situation evolve

Cross-border expertise

Ideal for mobile clients with multi-jurisdictional wealth planning needs

Investment universe

WEALINS Life offers one of the most flexible investment frameworks in Luxembourg, designed for long-term diversification, protection, and personalized portfolio management.

In unit-linked funds.

General fund (EUR)

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)

Dedicated Internal Funds (FID)

Discretionary portfolio management starting from €250,000.

Key benefits

Wide selection of international investment funds.

No obligation for recurring payments.

Arbitrage and reallocation possible at any time.

Access to tailor-made FAS/FID discretionary management mandates.

Luxembourg tax framework and cross-border portability.

Exceptional investor protection under Luxembourg law.

Fees and operating conditions – WEALINS Life (WEALINS S.A.)

Type of fees	Conditions
Entry fees	Up to 5% · 0% from €250,000
Management fees (general fund)	Up to 1% per year.
Management fees (external funds / unit-linked funds)	Up to 1% per year.
Management fees (FID)	According to the discretionary management mandate.
Arbitrage fees	Up to 1% per transaction.
Partial withdrawal fees	None
Minimum initial investment	100 000 €
Additional contributions	Starting from €1,500
Monthly contributions	Starting from €1,500
Advances	Up to 40% of the contract value (subject to conditions)

Documents on Wealins Life

Wealins Corporate France Brochure

Who is the Life Mobility Evolution contract really intended for?

Who is the Life Mobility Evolution contract really intended for? Life Mobility Evolution is primarily intended for investors with structured or international wealth. It is particularly relevant for expatriates, internationally mobile families, and entrepreneurs holding assets across several jurisdictions. This contract is suitable for profiles seeking a flexible solution that can evolve over time and is integrated within a protective Luxembourg legal framework, with ongoing professional support.

Who is this contract not suitable for?

Life Mobility Evolution is generally not suitable for investors seeking a short-term product or a simple standard savings vehicle. It is also not suitable for profiles seeking fully autonomous management without support, nor for modest wealth without a clearly defined wealth planning objective. This structure is part of a medium- and long-term planning approach.

How does the Life Mobility Evolution contract work in practice?

The functioning is based on several key steps. An initial wealth analysis makes it possible to define the objectives, risk profile, and tax framework. The contract is then structured with the appropriate management methods: guaranteed funds, unit-linked funds, and FID. Once in place, the assets are invested and monitored over time, with the possibility of arbitrage, additional contributions, and adjustments depending on changes in the policyholder’s personal or tax situation.

What is the difference between Life Mobility Evolution and a classic French life insurance policy?

Unlike a French life insurance policy, Life Mobility Evolution is based on the Luxembourg framework, offering enhanced asset protection (segregation, super privilege), true tax neutrality, and international portability. It also provides access to advanced management structures such as Dedicated Internal Funds (FID), which are rarely available in standard French contracts.

Is the contract affected by the Sapin 2 law?

No. Luxembourg life insurance contracts do not fall under the French legal framework. They are therefore not subject to the temporary withdrawal-blocking mechanisms provided for by the Sapin 2 law. Withdrawal conditions nevertheless remain governed by the contract and the insurer’s operational rules.

What is the actual liquidity of the contract?

Life Mobility Evolution offers high liquidity within the provided contractual framework. Partial withdrawals may be made at any time, subject to technical processing times and the conditions applicable to the assets held. Liquidity also depends on the nature of the investments selected, particularly where alternative assets or tailor-made structures are involved.

Can the management mode be changed over time?

Yes. The contract is designed to evolve. It is possible to modify the asset allocation, switch from self-directed management to discretionary management, or integrate a Dedicated Internal Fund when the wealth situation justifies it. These adjustments do not result in the loss of the contract’s seniority.

What taxation applies to the Life Mobility Evolution contract?

The contract benefits from the principle of Luxembourg tax neutrality. No taxation is applied at the Luxembourg level. Taxation depends exclusively on the policyholder’s country of tax residence at the time of a withdrawal or transfer. This mechanism makes the contract particularly suitable for mobile or cross-border profiles.

What are the long-term fees to take into account?

Fees vary depending on the management methods and selected investment vehicles. They may include entry fees, often negotiable, annual management fees and, where applicable, fees related to management mandates or arbitrage. All fees are known in advance and integrated into a long-term global cost approach.

In which cases does a Dedicated Internal Fund (FID) become relevant?

A Dedicated Internal Fund becomes relevant when the wealth reaches a level that justifies personalized management, generally from €250,000. It allows a tailor-made strategy to be defined and entrusted to a chosen asset manager within the secure framework of the Luxembourg life insurance contract. The FID is intended for investors seeking an advanced and scalable wealth architecture.