Baloise Life Insurance Luxembourg: Premium International Contract from €500,000
With over a century of expertise and €13 billion under management, La Baloise Vie Luxembourg offers the Profolio contract, designed for international customers looking for a high-performance, multi-currency and secure wealth management solution.
About Baloise Vie Luxembourg
Founded in 1863 in Switzerland, present in Luxembourg since 1890, La Baloise benefits from a solid regulatory framework and an international presence.
Key figures :
13 billion in assets under management
Solvency: 139 %
A+ rating (S&P)
Contract validated by FINMA (compatible with Switzerland)
US persons accepted (resident in France for tax purposes)
Profolio contract: top-of-the-range for expatriates and people on the move
The contract Profolio is available from €500,000 with a Specialised Insurance Fund (FAS). It is distinguished by :
Compatibility with numerous jurisdictions (EU, Switzerland, US)
Partial recovery of withholding tax on foreign dividends
Choice of contract currency: EUR, USD, GBP, CHF
Entrance fees and conditions
| Amount invested | Insurance costs | Broker fees | Bank charges | Annual total |
|---|---|---|---|---|
| 500 000 € | 0,35 % | 0,15 % | 0,07 % | 0,57 % |
| 1 000 000 € | 0,30 % | 0,10 % | 0,07 % | 0,47 % |
| 2 500 000 € | 0,25 % | 0,10 % | 0,07 % | 0,42 % |
| > 5 000 000 € | <0.20 % | 0,10 % | 0,07 % | <0.37 % |
✅ No administration, payment or arbitration fees.
Available investment vehicles
Units of account (UA) :
+500 external funds
ETFs and institutional units available for unrestricted management
Cleans shares accessible
Specialised insurance funds (FAS) :
From €500,000 (or €200,000 for non-trading UCITS)
Management mandate or free management
Custodian bank: SGBT, Quintet, Degroof
Dedicated internal funds (DIF) :
From €250,000
FIC possible from €50,000
Our opinion on Baloise life insurance in Luxembourg
The contract Profolio from Baloise is perfectly suited to mobile affluent clientsincluding :
Investors focused on international dividends
Swiss residents, US persons with French tax status
Multi-support in foreign currencies
Advantages :
Presence of ETFs and institutional units
Partial recovery of withholding tax
A+ financial rating
Disadvantages:
No euro funds
Scheduled redemptions not accepted
Access reserved for assets > €500,000
FAQ : Baloise Luxembourg Life Insurance
The Profolio contract is available from €500,000 for a FAS, or €50,000 for simple unrestricted management.
No payment or arbitration charges. Management fees vary between 0.57 % and 0.37 % per year depending on the amount invested. Front-end load : 1000€
Yes, with free management. It is one of the few Luxembourg contracts to allow this directly.
No. The policy does not offer a euro fund. It is intended for unit-linked profiles.
Yes, the eSolife space allows detailed monitoring of contracts, funds and operations, even if arbitrages are carried out by email.
Yes, particularly. It is FINMA-approved, accepts US persons and allows tax optimisation on foreign dividends.
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