Life insurance Luxembourg Credit Agricole (CALI Europe) : Benefits, Charges, Taxation and Advice
Crédit Agricole's Luxembourg life insurance policy, offered by its subsidiary CALI Europe, provides a top-of-the-range wealth management solution combining security, flexibility and optimised taxation. Designed to meet the needs of demanding investors, it is suitable for French residents as well as expatriates and multi-residents.
Presentation of Crédit Agricole Luxembourg Life Insurance
Crédit Agricole Luxembourg life insurance, via CALI Europeis aimed at an international wealth management clientele looking for stability, protection and sustainable returns. Established in Luxembourg in 1998, this subsidiary of Crédit Agricole Group - Europe's leading bancassurance company - offers top-of-the-range contracts under a self-service agreement, tailored to the wealth management needs of French residents, expatriates and multi-residents.
The contract allows you to invest in the Euro2 euro fundknown for its prudent management and regular performance, as well as in diversified units of account and tailor-made dedicated internal funds (DIFs). The entry fee is set at 300 000 € in unrestricted management, which places the offering in the top-of-the-range category. The solutions on offer are equally suited to estate planning, tax optimisation and international asset diversification.
Advantages of Luxembourg Credit Agricole life insurance
Legal and financial security thanks to the backing of Crédit Agricole.
Neutral taxation depending on your country of residence.
Various media : euro funds, units of account, FID, FIC.
Luxembourg safety triangle and a great privilege.
Long-term management combining prudence and performance.
Tailor-made support via a network of specialist partners.
CALI Europe contract charges
Exit fee : 0 %
Annual management fee: de 0.50 % to 0.70 % according to outstanding amounts.
Free transfers subject to contractual conditions.
- Entry fee: €1,000
These competitive fees make CALI Europe even more attractive in the premium segment of Luxembourg life insurance.
Reviews on Crédit Agricole Luxembourg
CALI Europe seduced by the stability of its groupthe quality of its management and access to a neutral tax framework. Cautious investors will appreciate the regularity of the Euro2 fund, while more aggressive investors can opt for units of account or customised DIFs.
Our opinion: a first-rate option to diversify, secure and pass on assets within a solid legal environment.
Taxation of AV in Luxembourg
Taxation of Luxembourg life insurance depends on the policyholder's country of residence. For French tax residents :
After 8 years, annual allowance of €4,600 (single person) or €9,200 (couple).
PFU at 7.5 % or 30 % depending on outstandings and seniority.
Optimised transfer via tax relief and Luxembourg framework.
This scheme combines asset optimisation with international flexibility.
Our added value
By choosing our expertise, you benefit from :
Independent, objective advice.
High-performance allocation tailored to your profile.
Tax and estate planning.
Comprehensive asset management support over the long term.
FAQ - Luxembourg Life Insurance Credit Agricole
This is Crédit Agricole's Luxembourg subsidiary, specialising in top-of-the-range life insurance.
300,000 under unrestricted management.
Euro2 fund, units of account, FID, FIC.
Yes, thanks to Luxembourg's tax neutrality.
Yes, via DIFs, subject to conditions
Absolutely, the flexibility of the contract meets international needs.
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