Luxembourg life insurance: compare, choose, invest
Welcome to Assurance Vie Luxembourgeoise, the reference platform for understanding, comparing and subscribing to life insurance in Luxembourg, with complete confidence. We support wealthy French (and Belgian) individuals looking for optimised, legally sound wealth management solutions.
5.20%
Average return on a typical portfolio
90M€
Capital raised
12.000
Satisfied customers
Why choose life insurance in Luxembourg?
Luxembourg life insurance is much more than just a savings product. It offers a optimum asset protectiona incomparable tax neutrality and a international portability which is aimed at a demanding audience: senior executives, entrepreneurs, the self-employed and sophisticated investors.
The main advantages:
Safety triangle The assets are held separately and benefit from the super privilege.
Tax neutrality tax applicable depending on the policyholder's place of residence.
Variety of media Euro funds, ETFs, SCPIs, private equity, equities, etc.
Transparency & customisation Access to unrestricted or discretionary management.
"Subscribing to a Luxembourg AV is like buying a Swiss army knife for wealth management.
The best Luxembourg life insurance policies to discover
Discover our selection of the main life insurance policies offered by the leading insurers in Luxembourg. Each solution meets specific needs in terms of asset management, tax objectives or inheritance.
Wealins
Private management-oriented contract with open architecture, tailor-made FID and broad international compatibility. Often chosen for sophisticated strategies.
La Baloise
Positioned at the top end of the market, Baloise offers ultra-competitive sliding-scale fees from €500,000, as well as access to international buy & hold portfolios.
SwissLife
Flexible contract suitable for expatriates and non-residents, renowned for its loyalty bonus of up to 5 % and comprehensive multi-currency architecture. Initial investment from €250,000.
Lombard International
Specialist in tailor-made wealth management for very high net worth individuals. Offers unrivalled international legal flexibility and optimised structuring for high net worth individuals.
Vitis Life
Tailor-made offer with access to FIDs and FASs from €125,000, backed by an independent Luxembourg insurer and a wide choice of funds. Ideal for personalised management.
AG2R La Mondiale
A robust wealth management solution, suitable for cautious and intermediate profiles. Excellent reputation for savings management.
Generali
A multi-support contract recognised for the solidity of the Generali Group, with a high-performance euro fund and broad access to diversified financial products. Available from €250,000.
Cardif
A solid subsidiary of BNP Paribas, ideal for diversifying via a wide range of vehicles, particularly in managed accounts. Ideal for French residents looking for tax-efficient solutions.
Société Générale
Top-of-the-range life insurance policy combining security, accessibility and digitalization. A good alternative for investors seeking international exposure via a recognised banking player.
Allianz Life
A globally recognised player offering a flexible and secure contract, with a wide range of investment vehicles and first-rate legal protection.
Natixis
Top-of-the-range contract for investors looking for diversification, tax neutrality and tailored support. Access to over 400 funds and personalised solutions.
Axa
A combination of AXA's solidity and the advantages of Luxembourg, with multi-supported funds, a variety of currencies and management options suited to large estates.
Credit Agricole
Backed by one of Europe's leading banking groups, this policy combines security, customisation and multiple investment vehicles from €300,000 upwards, making it ideal for diversification and inheritance.
Foyer
A long-established Luxembourg insurer offering reliable and flexible solutions for investors looking for stability and tailor-made management options.
CNP One lux
A high-performance, affordable contract that benefits from the expertise of a French leader and the legal and tax advantages of Luxembourg.
Luxembourg AV vs. French AV: the key differences
| Criteria | French AV | AV Luxembourgeoise |
|---|---|---|
| Protection of funds | Average (mixed equity) | Safety triangle / super privilege |
| Applicable taxes | French system | Depending on the policyholder's country of residence |
| Portability | Limited | International |
| Variety of media | Restricted | Very broad (ETFs, PEs, SCPIs, currencies, etc.) |
| Investment ceiling | Sometimes limited | No ceiling |
Why put your trust in Assurance Vie Luxembourgeoise?
🌟 100 % independent: our advice is objective
🤝 15 years' experience
🧰 A network of trusted partners in Luxembourg
🌐 Personalised support, online or videoconferencing
We will only guide you towards policies that are compatible with your tax situation, your investment objectives and your desire to pass on your wealth.
How do I open a life insurance policy in Luxembourg?
Make an online diagnosis free of charge
Receive our personalised recommendation within 48 hours
We can put you in touch with with a suitable insurer or adviser
No need to travel. Everything is done remotely, including signing the contract.
FAQ Life Insurance Luxembourg
It depends on your tax residence. The contract is tax-neutral, so you can optimise it according to your legal framework.
Some policies are available from 100 000 €others require 250,000 or more.
In most cases, yes, especially if you have assets to protect or if you will be moving to another country.
No. Luxembourg offers a very secure regulatory framework. Your assets are isolated and privileged.
Yes, via digital contracts or through a CGP partner.
Contact us to discuss your project
An expert will call you back within 24 hours to discuss the best solution for you.
English (UK) 
Français