Luxembourg life insurance
Enhanced security
Customized Financial Management
Tax Flexibility
Transparency & Tiered Pricing
Security & super privilege
Assets deposited with a custodian bank, regulated by the Commissariat aux Assurances (CAA).
The Club Luxembourg team
Our Club Luxembourg site, dedicated toLuxembourg life insurance, is an exclusive idea from IB Gestion Privée, a family-owned group specializing in wealth & asset management since 1989.
We support wealthy clients and families looking for security andhigh-performance financial tools to manage their assets and investments.
With Club Luxembourg, you benefit from :
– The widest range of Luxembourg life insurance products on the market.
– Advice from IB Gestion Privée experts to help you select a policy and monitor it over time.
Discover all our luxembourg life insurance policies in 2024 :
LOMBARD
The benchmark for wealth management and unlisted assets.
ONELIFE
The most digital and sophisticated contract for demanding investors.
GENERALI LUXEMBOURG
The most comprehensive contract with a solid, experienced insurer.
LIFINITY EUROPE
Benefit from the solidity of the AXA insurance group.
CLUB LUXEMBOURG
Découvrez tous nos contrats d’assurance vie luxembourg.
A word from the manager :
Our customers are looking for security or the most comprehensive financial tools to manage their wealth.
Luxembourg contracts offer access to first-rate investments with a degree of personalization unmatched by other types of contract.
Our services
I MANAGE ALONE
If you wish to manage your savings on your own, we have tailored solutions to give you the freedom to manage your Luxembourg life insurance with negotiated fees: online access, digitalization, responsiveness, decision-support documentation…
At any time, you can call on us to provide you with an outside perspective, if required, through occasional advisory services.
I WOULD LIKE TO BE ACCOMPANIED
Our team specializing in fund selection and management companies can advise you on the financial management of your Luxembourg life insurance and investments.
Our wealth engineering department can provide you with wealth and tax advice.
IB Gestion Privée’s wealth management practice enables you to invest with a global vision: listed and unlisted financial real estate, investment real estate…
Advantages of luxembourg life insurance :
Your questions answered:
What is the difference between a Luxembourg life insurance policy and a French policy?
So for what
Luxembourg life insurance offers :
- Better protection for the policyholder
Protection is unlimited, thanks to the Super Privilege and the separate deposit in the insurer’s account.
In France, in the event of bankruptcy, only 70,000 euros are guaranteed per policyholder and per insurance company, with a limited guarantee fund…
- Transparent taxation: application of the tax system of the policyholder’s country of residence (Luxembourg tax system).
- a wider, more flexible range of financial assets:
- multi-currency valuation
- customized funds to build your own portfolio, either on your own or with the help of top fund managers
- a wider range of assets than in France: direct shares/bonds, listed and unlisted funds, real estate funds… units/funds reserved for institutional investors.
- You benefit from tax advantages on this type of security, taxed only once (in the event of redemption or inheritance).
- In France, holding shares or bonds directly with the same degree of freedom is mainly done through a securities account or PEA, and the tax applied is higher (annual taxation on capital gains / dividends).
- Contract flexibility
Who can open a luxembourg life insurance policy?
In theory, any French person can open a Luxembourg life insurance policy anywhere in the world (except Black List countries), provided that the origin of the funds has been validated by the Luxembourg company’s legal department.
Some companies accept French residents from outside the European Union.
Who can benefit from the Luxembourgeoise contract?
Luxembourg life insurance is designed for :
- customers seeking better protection for their savings/assets.
- legal entities subject to corporation tax with a wealth management objective
- investors seeking access to the best fund managers and a dedicated financial advisor
- stand-alone investors seeking a tailor-made architecture with an unlimited investor universe
- non-resident investors seeking tax flexibility for their contract
What is a dedicated fund?
An Internal Dedicated Fund enables the subscriber to benefit from a personalized investment, in line with the investment policy he or she determines.
Made up of a pool of assets managed by a reputable financial manager, Club Luxembourg works with most of the leading private banks/management companies: Edmond de Rothschild, Lazard, Mirabaud, at no extra cost to the customer, given the volume recommended.
This Fund is created exclusively for you, adapted to your personal objectives and serving as a support for a single life insurance contract.
It is accessible from a minimum amount of €125,000 (provided that the initial premium paid exceeds €250,000).
What is a specialized insurance fund?
A Specialized Insurance Fund allows the subscriber to benefit from a personalized and unlimited investment, in line with the investment policy he or she determines.
This Fund is created exclusively for you, adapted to your personal objectives and serving as a support for a single life insurance contract.
It enables investors to :
– be advised by a professional and remain in control of the management of their contract.
– manage their contract alone, with an unlimited universe of investments and competitive fees.
It is accessible from a minimum amount of €125,000 (provided that the initial premium paid exceeds €250,000).