Société Générale Luxembourg life insurance: our opinion of Sogelife
The Luxembourg life insurance offered by Societe Generale via SOGELIFE combines banking solidity, high yield and legal security. It is aimed at investors and expatriates looking for a high-performance, tax-efficient asset management solution that complies with the most demanding European standards.
Why choose life insurance from Société Générale Luxembourg?
SOGELIFE is the Luxembourg subsidiary of Société Générale, one of Europe's largest banks. With its Personal Multisupports contract, it offers top-quality life insurance backed by a high-performance euro fund, a wide range of products and tax benefits for residents and expatriates.
Key strengths :
Access to the euro fund with rates of up to 5,4% (bonus included)
Ultra-diversified investment vehicle (unit-linked, ETF, FID, FIC, FAS)
Tax neutral (taxation according to country of residence)
Compatible with HNWI expatriate profiles
Capital guarantee via € funds + Safety Triangle
Key benefits of Société Générale AV
✨ Performance Euro fund at 3.5% (up to 5.4% with bonus)
🌍 Neutral taxation The new tax option: adapting to your tax residence
🔐 Maximum safety : super privileges, Luxembourg regulations
🌐 Multi-support external funds, FIDs, FASs, FICs, ETFs
🌟 Digital & accessible fluid platform, dynamic reporting
What are the life insurance charges?
Application fee : 0%
Management fees (insurer) : 0.70% to 0.50% depending on the amount invested
FID / FAS / FIC management fees : up to 2%
Refereeing : 1 free/yearthen 0.1% capped at €300
Payout charge : up to 2.5% (negotiable)
- Entry fee: €1,000
Which Societe Generale investment vehicles?
📊 External funds (mutual funds, ETFs) : +6,000 products (UCITS)
🔄 Dedicated internal funds (DIF) from €500,000
🔄 Collective internal funds (CIF) from €500,000
📈 Euro funds 2024 yield of 3.5% net + bonus
⚖️ Specialised insurance funds (FAS) from €500,000
Taxation: what are the advantages of working with SOGELIFE in Luxembourg?
💶 Neutral taxation by country of residence
⏳ PFU or IR : according to amount/age of payments
💵 Allowances 4,600 (solo), €9,200 (couple) > 8 years
⚰ Estate : exemption up to €152,500 / beneficiary (before age 70)
Our review on Societe Generale Luxembourg life insurance
SOGELIFE offers a robust contract that balances performance, security and customisation. Its high-yield euro fund sets it apart on the Luxembourg market. The solidity of the Société Générale Group is a guarantee of confidence.
We like :
Performance of the € fund with bonus
A very wide range of products (including ETFs)
Flexibility on FID/FAS
The strength of the SG Group
Points to watch :
No private equity outside FID/FAS
High entry fee (€300,000 / €500,000)
Our added value
Through our office, you can access :
🔐 Negotiated fees and preferential conditions
🌊 Tailor-made asset allocation
💼 Legal and tax support
🔹 Optimising the beneficiary clause
FAQ - Luxembourg life insurance Société Générale / Sogelife
The entry fee is 300 000 € free management, 500 000 € to access FID/FAS.
Yes, the net rate for 2024 is 3,5% with bonuses of up to 5,4%This makes it one of the best performing in Luxembourg.
Yes, access to more 6,000 supports includes ETFs and UCITS.
Yes, the policy is tax-neutral and compatible with many different tax jurisdictions (France, Belgium, Switzerland, etc.).
Private equity is only accessible via dedicated internal funds or FAS from €500,000.
The 1st is free each year. After that, there is a charge for arbitration 0.10% capped at €300.
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