Why invest in life insurance in Luxembourg?
- Lux-Assurances
- Jun 10
- 2 min read
Luxembourg life insurance appeals to savers looking for security, performance and flexibility. Renowned for its tax advantages, European portability and enhanced asset protection, it is now an essential investment solution. Read on to find out why choosing life insurance in Luxembourg could be a strategic decision for your financial future.
What is an investment life insurance policy?
Life insurance is much more than just a pension product. It is also a high-performance investment vehicle, allowing you to grow your capital in the medium to long term while enjoying tax advantages. In Luxembourg, this product takes on an additional dimension thanks to the country's stability and its particularly protective regulatory framework, with the security triangle.
Why choose Luxembourg for your life insurance?
Luxembourg benefits from a regulatory framework that is unique in Europe:
The protection of the security triangle: your assets are separated from those of the insurer and deposited with an approved custodian bank.
Super privilege: in the event of the company's default, policyholders have priority in recovering their funds.
Tax neutrality: Luxembourg life insurance adapts to the tax system of the policyholder's country of residence, making it an ideal product for expatriates or cross-border workers.
Two Foyer solutions for investing via life insurance
Foyer, a leading player in Luxembourg, offers two life insurance investment solutions tailored to different profiles and objectives: invest4change and smartlife. Both solutions combine financial performance, security and personalisation of your savings.
invest4change : for responsible and accessible investment
invest4change is a sustainable investment plan starting at €200/month, designed for savers who want to grow their money while staying true to their values.
Its advantages:
LuxFLAG ESG-certified funds: a selection of funds that meet strict environmental, social and governance criteria.
Guided management: you define your risk profile and experts take care of the rest.
Accessibility : a flexible solution, accessible from a small amount, to get you started with peace of mind.
Regular investment: you build up your savings gradually, automatically.
ℹ︎ invest4change is aimed at individuals who want to combine financial performance with a positive impact on the world of tomorrow.
smartlife : a solution for growing your capital to finance future projects
smartlife is a flexible, high-end multi-support life insurance policy with no restrictions on payments or withdrawals, offering four different profiles.
Its strengths:
Access to a wide range of investment vehicles.
European portability: ideal for expatriates or people with assets in several countries.
Tailor-made strategy: you define a personalised investment strategy, with the support of experts.
Wealth planning tool: easy transfer, tax optimisation, flexible beneficiary clauses.
Optimised transfer.
In the event of the policyholder's death, the capital is transferred to the designated beneficiaries outside the traditional succession process, allowing for great flexibility in wealth planning. In addition, the applicable tax treatment is often more favourable than with other types of investments, depending on your geographical location.
Foyer life insurance: a solution for your wealth management goals
Whether you want to prepare for retirement, finance a project or pass on your wealth, Luxembourg life insurance offers you the ideal framework.
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