Luxembourg life insurance Cardif Lux Vie: our opinion on the Liberty 2 Invest policy
Through its flagship Liberty 2 Invest policy, Cardif's Luxembourg life insurance is aimed at demanding asset investors. With its solid banking structure, flexible investment vehicles and neutral tax framework, this policy ticks all the boxes for HNWIs and expatriates.
Why choose Cardif Lux Vie life insurance in Luxembourg?
Cardif Lux Vie is the Luxembourg life insurance subsidiary of the BNP Paribas group. Its Liberty 2 Invest contract is a market benchmark, offering a secure, flexible and high-performance framework from €250,000.
Key assets :
Access to a guaranteed euro fund with a competitive return
Open architecture: SRI, external funds, FID, FIC, FAS
Tax neutrality for expatriates and international investors
Advanced customisation of the beneficiary clause
Strength of the BNP Paribas Group
Key benefits of Cardif Lux Vie AV
✅ Performance guaranteed-capital euro fund up to 3.5% gross (2023)
🌱 Access to private equity up to 60% via FID/FAS
🌍 Neutral taxation taxation according to country of residence
🔄 Total flexibility partial surrenders, unrestricted payments, arbitration, etc.
👥 Customised beneficiary clause : dismemberment, multiple beneficiaries, specific options
🌐 International distribution available in over 15 countries
What are the fees for the Cardif Liberty 2 Invest policy?
Application fee : 0%
Management fees : 0.70% to 0.50% by amount outstanding
Euro funds : 0.8% to 1.2% management fees
Arbitration : free of charge or 0.10% capped at €300
No exit fees
- Entry fee: €1,000
Which investment vehicles are available with Cardif Lux Vie?
💶 Euro funds guaranteed, gross yield 1.76% to 3.5%
📈 External funds More than 300 SRI funds, no ETFs in unrestricted management
📊 FID (dedicated internal fund) from €250,000, access to private equity
👥 FIC (collective internal fund) From €250,000
🧾 FAS (specialised insurance fund) From €250,000, investor profile type C
Taxation: what are the advantages of Cardif life insurance in Luxembourg?
💡 Neutral taxation taxation according to country of residence
📉 PFU or IR : depending on the amount of payments / term of the contract
📆 Allowance after 8 years 4,600 (solo) / €9,200 (couple)
⚰️ Estate Exemption up to €152,500 per beneficiary (if paid before age 70)
Our review of Cardif life insurance in Luxembourg
The Liberty 2 Invest contract from Cardif Lux Vie offers a rare combination: an ultra-secure regulatory framework, access to a high-performance euro fund and a comprehensive investment architecture, including private equity and SRI funds. Its compatibility with numerous jurisdictions makes it a benchmark choice for structuring and transferring assets internationally.
We like :
The power of the euro fund
Access to private equity from €250,000
The expertise of BNP Paribas
Management flexibility (FID, FAS, free arbitration)
What to look out for:
No ETFs in free management
Penalty on redemptions from the euro fund in the first 4 years
Our added value
When you take out a Cardif Lux Vie policy through us, you benefit from :
💼 Negotiated fees and access to institutional shares
📊 Optimised allocation strategy according to your profile
🧾 Full legal and tax assistance
🧠 Personalised asset monitoring over time
FAQ - Luxembourg life insurance Cardif Lux Vie
Liberty 2 Invest is available from 250 000 € free management.
Yes, up to 60% of unlisted assets are authorised in DIF/SIFs from €250,000.
Yes, the 2023 gross yield is 3,5%These are among the most competitive on the Luxembourg market.
Yes, Cardif is compatible with many tax residences (EU, UK, Asia, etc.) thanks to the LPS.
The first annual arbitration is free, subsequent ones cost 0,10% (maximum €300).
Yes, the clause can be adjusted at any time: multiple beneficiaries, dismemberment, specific clauses.
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