Generali Life Insurance Luxembourg: Performance, Digitalisation and Security
With Espace Lux, Generali Luxembourg offers a powerful contract designed for European and international wealth management clients. Available from €250,000, it combines a high-performance € fund (up to 5.4 %), flexible management and international portability.
Presentation of AV Generali Luxembourg
A 100% % subsidiary of Generali France, Generali Luxembourg SA capitalises on the solidity of Europe's 3rd largest insurer:
Present in 50 countries, 71 million customers
Solvency ratio: 211 % (220 % at end 2023)
Advanced digital platform: MyWings
Characteristics of the Espace Lux contract
Entrance fee: €250,000 for unrestricted management, €500,000 for FID/FAS
Full digitisation: subscription, arbitrage, online monitoring
Tax neutral (taxation according to country of residence)
Multi-currency management (EUR / USD)
Extended international portability (Europe, Middle East, Asia)
Generali Espace Lux contract charges
| Amount invested | Insurance costs | Management (WSI) | Annual total |
|---|---|---|---|
| Up to €500,000 | 0,70 % | 0,25 % | 0,95 % |
| 500K to €1M | 0,65 % | 0,25 % | 0,90 % |
| 1M to 2.5M | 0,60 % | 0,25 % | 0,85 % |
| > 2,5M € | 0,50 % | 0,25 % | 0,75 % |
0 % exit fees, arbitration, deposit
UC/FID management fees negotiable according to volume
- Entry fee: €1,000
Available investment vehicles
High-performance euro fund: 3.5 % net in 2024, up to 5.4 % with loyalty bonus
+850 UCITS / ETFs / FCPRs available (including SRI)
FID from €250,000 / FAS from €500,000
Live securities only via FID / FAS
Free management or ESG mandate (Secure / Balanced / Dynamic)
Our review on Generali Luxembourg life insurance
Espace Lux is one of the most comprehensive contracts on the market. It ticks all the boxes for an informed investor: security, performance, flexibility and internationalisation.
Highlights:
Advanced digitisation
€ Fund boosted to 5.4 %
Tax neutral, optimal legal structure
Accessible under unrestricted management with no compulsory FAS
ESG mandate management available
Weaknesses :
FAS only available from €500,000
FAQ : Générali Luxembourg life insurance
250,000 for unrestricted management, and €500,000 for a FID or FAS.
Yes, Generali covers many areas outside the EU (Monaco, UAE, Singapore, etc.).
2024 yield: 3.5 % net. Up to 5.4 % with bonus if the contract is well diversified.
No exit or arbitration fees. Competitive management fees. Entry fee: €1,000
More than 850 UCIs / ETFs. Live securities and private equity via FID/FAS only.
Online via the MyWings extranet: underwriting, arbitrage, reporting, documentation.
English (UK) 
Français