Why Life Insurance?

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Succession Planning and Asset Protection

  • checkLife insurance serves as a powerful tool for planning your succession. It allows you to protect, structure, and pass on your assets to your loved ones.
  • checkBy having a life insurance policy, you create a financial safety net that ensures your beneficiaries receive the intended benefits upon your passing.

Flexible Inheritance Strategy

  • checkLife insurance policies can be customized to align with your specific wishes and preferences.
  • checkYou have the flexibility to design an inheritance strategy that meets your unique needs, whether it involves giving financial support to family members, promoting charitable causes, or ensuring business continuity.

The Security Triangle and Wealth Management

  • checkThe effect of the “security triangle” mechanism is essential within Luxembourg insurance contracts. It involves a reciprocal control among three independent parties: the Insurance Company, the Depository Bank, and the Luxembourg Regulator (CAA).
  • checkIt enables tailor-made management of your wealth within the life insurance contract which provides diversification across a wide range of assets.

Tax Neutrality in Luxembourg

  • checkLuxembourg offers total tax neutrality for life insurance contracts. The tax framework applicable is that of your country of residence.
  • checkThis tax efficiency makes Luxembourg an attractive choice for individuals seeking to optimize their financial planning.

Portability

  • checkLife insurance contracts are portable. They can adapt to the legal and tax framework of your new residence country.
  • checkWhether you move to a different country, your life insurance policy remains relevant and adjusts to the local regulations.
  • checkAccess to a wide range of different asset classes.

Asset Protection Against Creditors

  • checkLife insurance provides a protective shield for your assets. In case of financial difficulties or legal claims, the policy’s assets are shielded from creditors.
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