Natixis Luxembourg life insurance: Presentation, Advantages, Costs, Taxation and Advice

Find out in just a few lines why the Natixis Premium Lux contract is so attractive to wealthy investors. Here we present its strengths, conditions and advantages for your wealth management strategy.

Introducing Natixis Luxembourg Life Insurance

L'Luxembourg life insurance Natixis Premium Lux is a top-of-the-range contract designed to meet the expectations of demanding asset investors looking for performance, security and flexibility. A subsidiary of the BPCE group, Natixis Wealth Management Luxembourg benefits from over 30 years' expertise in wealth management and asset engineering. The policy is aimed in particular at company directors, senior executives, expatriates and tax non-residents wishing to optimise and secure their assets.

Admission ticket From €250,000 (FID/FAS from €250,000)
Supports guaranteed euro fund, over 400 external funds (UCITS, SRI, private equity)
Open architecture personalised allocation with free or discretionary management
Legal framework Safety triangle and Luxembourg super privilege

Advantages of the Natixis Premium Lux contract

Advanced diversification access to over 400 funds, including ESG, private equity and institutional units
Solid euro fund capital guaranteed and reinsured at 100 % by BPCE Vie
Accessibility attractive threshold from €250,000, with premium options from €250,000
Customised management free or delegated, adapted to risk profile
Tax neutrality taxation according to country of residence
Asset management : tailor-made advice to optimise performance and transmission

Natixis Luxembourg life insurance charges

Exit fees : 0 %
Annual management fee from 0.50 % to 0.70 % depending on capital invested
Media fees : maximum 1 %
Arbitrage up to 1 % (minimum €150)
Additional payments From €5,000
Entry fee: €1,000

Review on Natixis Premium Lux

Our opinion onAssurance vie Luxembourgeoise Natixis is generally positive for wealth profiles looking for an accessible, high-performance and secure offering.

Strengths include the quality of the insurer, the range of products and the tailor-made support.

However, the lack of free management ETFs and relatively high arbitrage fees may be disadvantages for some investors.

Taxation

Taxation ofLuxembourg life insurance Natixis is neutral: it depends on the policyholder's country of tax residence.

For French residents, the policy is subject to the standard life insurance tax regime (PFU, tax relief after 8 years, partial exemptions in the event of death).