AG2R La Mondiale Life Insurance Luxembourg | Review & Test 2025: Reliable contract with Euro Funds and Digital Management
AG2R La Mondiale Europartner's Life Mobility Evolution combines security, accessibility, euro funds and digital management. Accessible from €250,000, this is one of the most solid contracts for French residents or cross-border commuters.
Presentation of La Mondiale Europartner (LMEP)
Established in Luxembourg in 1989, LMEP is the wealth management subsidiary of the French group AG2R La Mondiale. With more than 20 billion in assets under management and a rating A stable outlook (S&P), it has established itself as a benchmark player.
In a nutshell:
Solvency ratio: 198 %
Presence in 6 European countries
+More than 1500 funds available via 350 partner managers
Specific features of the Life Mobility Evolution contract
Access from €250,000 via a Specialised Insurance Fund (FAS)
Customised FID available from €125,000
Guaranteed euro fundnot covered by the Sapin II law
Complete digital management via MyLMEP (subscription, arbitration, riders)
Choice of contract currency: EUR, USD, CHF, GBP
Annual fee schedule
| Amount invested | Insurer | Broker | Bank | Annual total |
|---|---|---|---|---|
| 250 000 € | 0,45 % | 0,20 % | 0,07 % | 0,72 % |
| 500 000 € | 0,40 % | 0,15 % | 0,07 % | 0,62 % |
| 1 000 000 € | 0,35 % | 0,10 % | 0,07 % | 0,52 % |
| > 2 500 000 € | <0.30 % | 0,10 % | 0,07 % | <0.47 % |
✅ Bank charges are offered if your CUs are referenced in the LMEP database. Entry fee: €1,000
Available investment vehicles
Secure euro fund (up to 40 % of savings) :
Capital guaranteed
Bonus of up to +2.15 % depending on the proportion invested in unit-linked products
Available in EUR, USD, GBP, CHF
External funds :
+1500 UCITS funds
ETF only via FID
No access to institutional shares
FID and FAS :
FID from €125,000
FAS from €250,000
FIC from €1.5m
Our review on AG2R La Mondiale Europartner life insurance
A contract ideal for French tax residents and cautious profiles looking for a quality euro fund and simple digital access.
Advantages :
Euro fund with performance bonus of up to +2.15 %
Fluid digital platform (MyLMEP)
Management adapted to traditional asset profiles
Disadvantages:
No direct access to unlisted assets or ETFs other than FIDs
FAQ : AG2R La Mondiale Luxembourg Life Insurance
Contract: €250,000
FID: €125,000
Additional payment: from €50,000
Yes, up to 40 % of your savings. This fund is available in 4 currencies and offers a boosted return if you invest at least 60 % in units.
From 0.72 % (all inclusive). From €2.5m, fees fall below 0.47 %.
Yes. Subscriptions, arbitrages and amendments are made from the platform. MyLMEP.
No, except via a FID. Free management contracts do not include ETFs or unlisted assets.
Yes, especially for French or European tax residents. The policy is designed to accommodate controlled international mobility.
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