APICIL OneLife Life insurance Luxembourg: Advice, fees, tax & Benefits
Apicil OneLife Luxembourg Life Insurance is designed for international investors looking for flexibility, security and tax optimisation. This comprehensive guide presents its structure, benefits, fees and our expert opinion.
Presentation
OneLifea subsidiary of the APICIL since 2019, is a recognised player in the top-of-the-range Luxembourg life insurance market. Its policy is aimed at HNWI customers (High Net Worth Individuals), expatriates, company directors and wealthy families.
Key features :
Entry ticket : 300 000 €
Multi-currency management: EUR, USD, CHF, GBP, JPY
Access to a wide range of products: FIDs, FASs, UCITS, ETFs, private equity, live securities, etc.
Legal framework: Luxembourg security triangle, super-privilege
The APICIL Group, a 4ᵉ player in social protection in France, has more than 2,000 employees, protects 2.2 million policyholders and has strong expertise in asset management and pensions.
Advantages of APICIL life insurance
Financial strength : Backed by APICIL, a major player in social protection.
Flexibility Customisable contract, multiple investment vehicles, free or discretionary management.
Neutral taxation : Suitable for residents and non-residents.
International Portability in over 20 countries.
Diversification Access to private equity, equities, ETFs and internal funds.
Security Strict governance and segregation of assets.
OneLife contract charges
| Amount invested | Contract fees | WSI management fee | Total costs | Market average |
|---|---|---|---|---|
| ≤ 500 000 € | 0,70 % | 0,25 % | 0,95 % | 1 % - 1.15 % |
| 500k - €1M | 0,65 % | 0,25 % | 0,90 % | 1 % |
| 1M - €2.5M | 0,60 % | 0,25 % | 0,85 % | 0.90 % - 1 % |
| > 2,5M € | 0,50 % | 0,25 % | 0,75 % | 0.75 % - 1 % |
Highlights No administration or exit fees.
Entry fee: €1,000
Review on APICIL One Life
OneLife stands out for :
An offering tailored to complex wealth management strategies.
Tailor-made support for expatriates and executives.
Expertise in estate planning and tax optimisation.
A varied investment structure tailored to international needs.
Our verdict: A top-of-the-range, robust and flexible policy, ideal for those looking for a powerful tool for managing and passing on their wealth.
Taxation
Tax neutrality Taxation according to country of residence.
PFU or IR of your choice.
Allowances after 8 years: €4,600 (single) / €9,200 (couple).
Transfer: Deduction of €152,500 per beneficiary.
Special cases: wealth tax, exit tax, unseizability.
Our added value
Independent, objective advice.
Personalised, high-performance allocation.
Optimum structuring of the beneficiary clause.
Wealth and tax monitoring over the long term.
FAQ - Apicil OneLife Life insurance Luxembourg
300,000, with access to FID/FAS from €125,000.
Yes, with tax neutrality, multi-currency and international portability.
FIDs, FASs, UCITS, ETFs, private equity, live securities.
Below market average and transparent.
152,500 allowance per beneficiary and advanced beneficiary clause options.
Partially, subject to Luxembourg legal conditions.
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