SwissLife Luxembourg Life Insurance: Swiss Performance, Wealth and Security
Designed for European residents and international investors, the Swiss Life Premium Lux contract combines Swiss solidity, neutral taxation and performance of the euro fund up to 5.0 %. Free or delegated management, international portability and complete flexibility from €250,000.
Presentation of AV SwissLife Luxembourg
Subsidiary of the Swiss Life Group (founded in 1857), Swiss Life Luxembourg SA is a major player in Luxembourg life insurance:
Presence in 10 countries including France, Germany, Luxembourg, Switzerland and Singapore
+250 billion in assets under management
Solvency ratio > 200 %, S&P A+ rating
Specific features of the SwissLife Premium Lux contract
Available from €250,000 with unrestricted management
Multi-currency: EUR, USD, CHF, GBP and more (SEK, SGD...)
Guaranteed euro fund: 3.2 % net in 2024, up to 5 % with bonus
Free management, advised management or management with a SRI mandate (Secure / Balanced / Dynamic)
International portability (Free Provision of Services)
Swiss Life management fee scale
| Amount invested | Insurance costs | WSI management | Annual total |
|---|---|---|---|
| Up to €500,000 | 0,70 % | 0,25 % | 0,95 % |
| 500K - €1M | 0,65 % | 0,25 % | 0,90 % |
| 1M - €2.5M | 0,60 % | 0,25 % | 0,85 % |
| > 2,5M € | 0,50 % | 0,25 % | 0,75 % |
✅ 0 % exit, administration, payment and arbitration fees.
Entry fee: €1,000
Contract investment vehicles
+800 external funds (UCI, SRI, structured)
Dedicated internal fund (DIF) from €250,000
Collective Internal Fund (CIF)
Private assets available via FID only
Mandated or unrestricted management
No ETFs or institutional units in unrestricted management
Our opinion on Swiss Life Luxembourg life insurance
A solid, well-constructed policy backed by a leading Swiss financial group. Ideal for cautious or balanced investors looking for security, diversification and performance via a boosted euro fund.
Highlights:
Loyalty bonus on € funds up to 5 %
Open multi-currency architecture
Scheduled redemptions possible (tax-free cash flow)
In-house asset engineering unit
Weaknesses :
No ETFs or SCPIs under free management
No FAS possible
FAQ : SwissLife Luxembourg Life Insurance
250,000 for unrestricted management. €500,000 recommended for access to certain complex products.
Yes, net return of 3.2 % in 2024, up to 5 % with loyalty bonus and UC allocation > 60 %.
From 0.95 % to 0.75 % per year all-in, depending on the amount invested. No other hidden charges.
Yes, Swiss Life covers a wide range of non-resident clients with LPS and multi-currency portability.
Yes, via FID (dedicated internal fund) only. No access via direct free management.
Partially: consultation via extranet, arbitration on request. Digitalisation in progress.
English (UK) 
Français