Luxembourg Life Insurance CNP One Lux
The CNP One Lux contract is a top-of-the-range Luxembourg life insurance policy, ideal for wealthy investors looking for yield, diversification and security. This guide details its benefits, costs, taxation and our expert opinion.
Presentation
CNP Luxembourga subsidiary of CNP Assurances, offers the CNP One Lux since 2015. This product is designed for sophisticated investors wishing to invest a minimum of 500 000 € and access to an open, made-to-measure architecture.
The contract is distinguished by :
A euro funds guaranteed and reinsured to 100% by CNP Assurances.
Access to 355 external funds including ETFs and institutional units.
From dedicated internal funds (DIF)We also offer group insurance (FIC) and specialised insurance (FAS) for personalised management.
Opening up to non-traditional asset classes (private equity, private debt, international real estate).
Admission ticket 500,000 (FID from €250,000).
Multi-currency EUR, USD, CHF, GBP.
Benefits
Institutional strength Support from the CNP Assurances group.
Access to diversified assets : External funds, private equity, ETFs, cash securities.
Flexible management Free, under mandate or mixed.
Neutral taxation : Suitable for expatriates and legal entities.
Protection Luxembourg safety triangle.
Tailor-made options FID/FAS personalised.
Contract costs
| 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, payment or exit fees.
Entry fee: €1,000
Review
CNP One Lux is one of the most comprehensive contracts on the Luxembourg market:
Suitable for international asset management.
Access to a variety of high value-added investment vehicles.
Stabilised by the strength of the CNP Assurances Group.
Competitive returns on the euro fund.
Ideal for optimised inheritance planning.
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 before the age of 70.
Special cases: wealth tax, exit tax, unseizability.
Our added value
Independent advice and optimised structuring.
Personalised, high-performance allocation.
Tax and legal support.
Access to exclusive options and innovative investments.
FAQ - Luxembourg Life Insurance CNP One Lux
500,000, with FID possible from €250,000.
Yes, neutral and multi-currency taxation.
External funds, ETFs, private equity, securities, FID, FIC, FAS.
Below average, transparent and entry fee €1,000
152,500 allowance / beneficiary, legal flexibility.
Partially, in accordance with Luxembourg legal conditions.
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