Wealth Executive Life Vitis Life
A high-end life insurance contract designed for wealthy and internationally mobile clients, offering long-term protection, tax optimisation and open-architecture investment flexibility.
€50,000
Minimum investment
EEA residents
Eligible clients according to jurisdiction
Luxembourg life insurance
Contract type
EUR, USD, GBP, CHF
Currencies
Minimum investment
(Unit-linked structure)
FID from €125,000
FAS from €250,000
Partial withdrawals available
Rachats partiels
Contract overview
Wealth Executive Life is a Luxembourg life insurance contract issued by Vitis Life S.A., an insurer based in Luxembourg and approved by the CAA since 1995. This contract is designed for private clients, entrepreneurs and international investors seeking a flexible unit-linked wealth structuring solution. The contract operates under Luxembourg insurance law and benefits from the country’s investor protection framework, including asset segregation and regulatory supervision. Wealth Executive Life is a unit-linked structure and does not include a guaranteed euro fund. Investors can access a range of external funds, collective internal funds and high-end discretionary solutions. Dedicated Internal Funds (FID) are available from €125,000, while Specialised Insurance Funds (FAS) can be set up from €250,000, allowing tailor-made portfolio management adapted to each client’s objectives and risk profile. Wealth Executive Life is particularly suited to clients with an international profile seeking long-term flexibility, portfolio diversification and cross-border portability within a stable European insurance environment. Taxation follows 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 offer comprehensive support throughout the entire Wealth Executive Life journey — from setting up the contract and selecting investments to long-term monitoring and adaptation. Our approach is independent, transparent and designed for complex international wealth structures.
Tailor-made structuring
Personalised contract design, aligned with your wealth management and succession planning objectives.
Access to an open architecture
Funds, ETFs, euro funds, alternative solutions, discretionary mandates and FID/FAS structures.
Long-term partnership
Ongoing support as your residence, objectives or market conditions evolve.
Cross-border expertise
Ideal for internationally mobile clients with multi-jurisdictional needs.
Investment universe
Wealth Executive Life offers one of the broadest investment universes in the Luxembourg market, combining security, diversification and fully tailor-made discretionary management.
With variable capital
External funds (unit-linked funds)
Access to a selection of external funds covering different asset classes.
Gestion collective
Fonds collectifs internes
Collective investment strategies within the framework of Luxembourg insurance.
Tailor-made (via FID / FAS)
Dedicated Internal Funds / Specialised Insurance Funds
Discretionary portfolio management from €125,000 (FID) and €250,000 (FAS)
Key benefits
Large selection of global investment funds
No obligation to make regular payments
Switching and reallocations possible at any time
Access to tailor-made FAS/FID discretionary mandates
Luxembourg tax framework and cross-border portability
Exceptional investor protection under Luxembourg law
Fees and operating conditions – Wealth Executive Life (Vitis Life)
| Type de frais | Conditions |
|---|---|
Entry fees | |
Management fees (unit-linked funds / UC) | Up to 2% per year |
Management fees (FID / FAS) | According to the discretionary management mandate |
Switching fees | 1 free switch per year |
Partial surrender fees | None |
Minimum initial payment | 50 000 € |
Additional payments | From 5000€ |
FID access | From €125,000 |
FAS access | From €250,000 |
Solde minimum restant | According to the contractual conditions |