Flexibility, diversification and internationality: the financial advantages of Luxembourg life insurance

Beyond the security it offers, Luxembourg life insurance is also attractive due to its great flexibility in terms of management and its ability to adapt to a variety of profiles — from cautious investors with substantial assets to expatriates seeking cross-border solutions.

🌍 A wide range of investment options

Unlike many French policies, Luxembourg policies provide access to a wide range of financial instruments:

‘secure’ euro funds,

unit-linked funds (UC): UCITS funds, external funds, dedicated internal funds, and sometimes alternative vehicles or structured products.

the option to hold the contract in different currencies (euro, dollar, Swiss franc, pound sterling, etc.) — a significant advantage for people exposed to foreign currencies or living abroad.

Savers can therefore tailor their allocation to their objectives: capital security, long-term growth, international diversification, protection against currency risk, etc.

🎯 Management tailored to large estates

This type of contract is often popular with savers who have substantial assets. Some contracts offer dedicated funds reserved for subscribers who plan to make large payments — typically for initial investments or high regular payments.

Luxembourg life insurance is therefore aimed at those looking for more than just a defensive investment: it is a multifaceted and sophisticated vehicle, capable of accommodating a scalable multi-asset allocation.

⚖️ Flexibility and bespoke management

Another advantage is the freedom of management: subscribers can freely choose between different investment vehicles, adjust the allocation of their portfolio, or opt for delegated management by a professional according to their profile and wealth objectives.

In addition, the contract remains portable internationally: a major advantage for expatriates, international executives or anyone concerned by multiple tax jurisdictions, as the management and structure of the contract are independent of residence.