Allianz: top-of-the-range Luxembourg life insurance for demanding investors

Allianz Life Luxembourg offers a life insurance solution for wealthy French and European clients, with a clear promise: to offer the power of a major international group, the security of the Luxembourg framework, and the flexibility of an open financial architecture.

Presentation of Allianz Luxembourg AV

Allianz is one of the world's leading insurance and asset management companies. The Luxembourg subsidiary offers specific policies aimed at customers with high savings capacity (> €300,000), who are often expatriates, company directors, sophisticated investors or family holding companies.

The strengths of the Allianz Life Luxembourg contract

Neutral taxation tax in the country of residence for tax purposes.
0 % entry/exit/arbitrage fees
Access to a wide range of media external funds, FID, FAS, multi-currency.
Advanced digitisation 100 % online subscription and management portal.
The strength of the Allianz Group rated AA by S&P (2025), 126 million customers.

Allianz Global Invest Evolution: the flagship contract

A 100 % unit-linked policy

Allianz Global Invest Evolution is a top-of-the-range single premium contract offering :

Free or discretionary management
Open architecture (over 1,000 products, ETFs, UCITS, etc.)
International portability (ideal for expatriates)
Access to the euro fund up to 50 %
Payments from €250,000 (free management)

Fees and conditions of the Allianz contract in Luxembourg

Ultra-competitive costs:

Application/exit/arbitrage fee: 0 %
Annual management fee :
- Euro funds: max. 1 %
- CPU: max. 1.25 %
- Additional switches: free (1 free/year then 0.5 % capped)
Entry fee: €1,000

Admission requirements :

Initial payment : 250 000 €
Additional free deposit : 25 000 €
FID/FAS accessible from €500,000

Taxation of Allianz Luxembourg life insurance

Luxembourg life insurance is tax neutral. It is adapted to the tax rules of the policyholder's country of residence. Here is a summary for French tax residents:

In the event of a buyback :

Under 8 : PFU 30 % (IR + PS)
After 8 years :
- 7.5 % IR + PS on the portion < €150,000
- 30 % IR + PS on the portion > €150,000
- Annual allowance: €4,600 (single person), €9,200 (couple)

In the event of death :

Contributions before age 70 :
- Exemption up to €152,500 / beneficiary
- Then 20 % ≈ €700k, 31.25 % above that
Contributions after age 70 :
- Exemption on €30,500
- Inheritance tax

Our review on Allianz Luxembourg life insurance

The Allianz Global Invest Evolution contract is a safe bet on the Luxembourg life insurance market. It combines financial strength, digitalization, flexibility and access to high-performance products.