Wealins Luxembourg life insurance: our full review
Wealins Life insurance in Luxembourg is a benchmark wealth management solution for expatriates, company directors and investors looking for performance, flexibility and estate planning. This premium policy offers access to a wide range of investment vehicles, including private equity, while benefiting from Luxembourg's tax neutrality.
Why choose the Wealins Life policy in Luxembourg?
Wealins is a top-of-the-range Luxembourg life insurance company resulting from the merger between Foyer Group and IWI. The Wealins Life contract is aimed at expatriates, company directors and asset investors looking for a flexible, customisable and high-performance contract, thanks in particular to access to private equity.
The main advantages of the Wealins Life policy :
Access to FIDs from €250,000 (Private Equity from €500,000)
Variety of financial vehicles (external funds, FID, FAS)
International portability (LPS)
Tax neutrality depending on country of residence
Optimised return (via unlisted funds, customised management)
The key benefits of the Wealins Life contract
⭐ Flexibility free management, FID, FAS, multi-currency (EUR, USD, CHF, etc.)
⚡ Performance external funds + ETFs + private equity from €500,000
🔒 Protection : super privilege, Luxembourg safety triangle
🏡 Estate planning optimised beneficiary clause, smooth transmission
🌍 Portability multi-jurisdictional coverage in Europe
What are the charges for Wealins life insurance?
- Application fee : 0%
Annual management fee (insurer): de 0.70% to 0.50% depending on the amount invested
WSI Conseil delegation : 0,25%
FID/FAS fees: up to 1,5% (manager)
Refereeing : 1 free/yearthen 0.5% max €500
- Entry fee : 1000€
What investment vehicles are available with Wealins?
📈 External funds : +800 funds (UCITS, ETFs, SRI)
🏛️ Dedicated Internal Funds (DIF) From €250,000
✨ Private Equity accessible via FID or FAS (from €500,000)
📐 Collective Internal Funds (CIF) From €10m
🌐 Multi-currency management EUR, USD, GBP, CHF, etc.
Taxation: what are the advantages of working with Wealins in Luxembourg?
💰 Tax neutrality taxation according to country of residence
📅 PFU/IR by payment date (before/after 27 Sept. 2017)
💶 Allowances 4,600 (single) / €9,200 (couple) after 8 years
⚰ Estate : exemption up to €152,500 per beneficiary (before age 70)
Our opinion on Wealins Luxembourg life insurance
Wealins is one of the world's leading leaders in top-of-the-range life insurance in Luxembourg. With assets in excess of €15 billion and recognised expertise in private equity, the company is ideally placed to meet the needs of high net worth individuals and expatriates.
We like :
Flexible contracts and a wide range of products
Opening up to private equity
The Foyer Group's wealth management expertise
Competitive fees on large tickets
Points to watch :
No euro funds
High initial investment (minimum €250,000, €500,000 for PE)
Our added value
When you work with us, you benefit from :
🔑 Negotiated access at Wealins Life Luxembourg
📊 Tailor-made strategic allocation
✉️ Optimised drafting of the beneficiary clause
🧠 Personalised wealth and tax advice
FAQ - Wealins Luxembourg life insurance
The contract is available from 250 000 €and from 500 000 € to integrate private equity via FID or FAS.
Yes, more than 40 ETFs are available for unrestricted management in Wealins Life France. A good solution for optimising costs.
No, Wealins does not offer guaranteed capital fundsThis is compensated for by a selection of diversified, high-performance funds.
With tax neutrality, portability, a choice of currencies and access to the best products, Wealins is ideally suited to HNWI expatriates.
Yes, from 500 000 € via an FID or FAS. This is one of the strong points of the contract.
Thanks to our agreements with Wealins, you can obtain negotiated fees from €500,000 invested.
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