Lombard International Life Insurance: The Reference High-End Contract
With more than €100 billion in assets under management, Lombard International (Utmost Wealth Solutions) has established itself as an absolute benchmark in the Luxembourg life insurance market. The Liberté contract, available from €250,000, offers unique access to specialised insurance funds (FAS) and an open architecture of international assets.
Presentation of Lombard International (Utmost)
Created in 1991, the Lombard International group is now part of the British giant Utmost Wealth Solutions. With a presence in over 20 jurisdictions, it manages more than 100 billion in assets with a solvency ratio of 175 % and a A+ Fitch Ratings.
Key assets :
Worldwide presence with 15 offices (Paris, Zurich, Miami, Luxembourg, etc.)
Unrivalled geographical coverage (Europe, Asia, Latin America)
Access to non-traditional assets (private equity, unlisted, etc.)
Specific features of the Liberté contract (FAS, FID, FIC)
The contract Lombard Liberté is designed for sophisticated investors with assets in excess of €500,000.
FAS accessible from €250,000, unrestricted or recommended management (RTO)
FID tailor-made funds from €250,000
FIC reserved for investments of €5 million or more
Choice of contract currency (EUR, USD, CHF, GBP, JPY)
Advanced digital platform: Utmost Connect
Fees and conditions of access
| Amount invested | Insurance costs | Broker fees | Bank charges | Annual total |
|---|---|---|---|---|
| 250 000 € | 0,50 % | 0,20 % | 0,07 % | 0,77 % |
| 500 000 € | 0,40 % | 0,15 % | 0,07 % | 0,62 % |
| 1 000 000 € | 0,35 % | 0,10 % | 0,07 % | 0,52 % |
| 2 000 000 € | 0,30 % | 0,10 % | 0,07 % | 0,47 % |
| 5 000 000 € | 0,25 % | 0,10 % | 0,07 % | 0,42 % |
| > 10 000 000 € | <0.20 % | 0,10 % | 0,07 % | <0.37 % |
Family or business loans can be pooled to exceed the tariff thresholds.
Entry fee: €1,000
Investment vehicles
Units of account A wide range of international funds
FID/FAS tailor-made investments with free or advised management
Euro funds not available
Partner managers: Rothschild & Cie, Carmignac, JPMorgan AM, Sycomore, Oddo, Pictet, Fidelity, etc.
Review on Lombard International life insurance in Luxembourg
The Lombard International (Utmost) contract is often regarded as the Rolls-Royce of Luxembourg life insurance.
Recommended for :
Assets > €500,000
Exposure to alternative assets (private equity, multi-managers, etc.)
Advanced digital management platform (Utmost Connect)
Broad compatibility with international jurisdictions
Please note:
No euro funds
Digitalisation well advanced, but options still to be mastered
FAQ : Your questions about Lombard International Life Insurance
Le FAS is a tailor-made, legally individualised fund available from €250,000. Visit FID offers personalised management from the same amount but without legal individualisation.
Yes, Lombard covers more than 20 jurisdictions. However, compatibility depends on the country of residence and must be validated before subscription.
Total management charges from 0.77 % for €250,000, up to 0.37 % for €10 million. No exit or payment charges.
Yes, family co-option allows you to benefit from the higher tariff bands as soon as the accumulated outstandings reach the thresholds.
Yes, thanks to the Utmost ConnectUnderwriting and management are entirely digital.
EUR, USD, CHF, GBP, JPY: all major currencies accepted. Ideal for international assets.
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