Why invest in Luxembourg?
With its AAA rating, Luxembourg offers unparalleled political, economic, and social stability for private investors who prioritize the security and preservation of their assets.
Luxembourg, a tailor-made framework for high-end life insurance
Luxembourg is a major multicultural and multilingual financial center in the world. As the European capital of private banking, the country is renowned for its DNA of creativity and pragmatism through a wide range of innovative investment services and solutions for an international clientele.
The security triangle of Luxembourgish life insurance
The Luxembourg “security triangle” offers an additional degree of protection for investors, unique in Europe.
The triangle consists of three elements:
- The Commissariat aux Assurances (CAA), a regulatory body dedicated to the insurance sector in Luxembourg: it approves the insurer’s choice of the custodian bank.
- A deposit agreement, signed between the CAA, the insurance company, and the custodian bank, specifying that custody of assets is governed by all three parties.
- The segregation of assets, deposited in a separate bank account and completely separated from the company’s own funds, in order to protect the policyholder from the bankruptcy of the insurer or the custodian bank.
A priority right: the "super-privilege"
It is a key element in the protection of assets in Luxembourg, offering policyholders the right to recover their assets before any other creditor of the insurance company, including the State, employees, and social security organizations.
A close-knit and agile ecosystem
As the leading financial center in the eurozone, Luxembourg benefits from a central location at the heart of Europe. Over the decades, the country has developed a genuine financial ecosystem where fund managers, private banks, financial sector professionals, and insurers work hand in hand.
A comprehensive framework for your peace of mind
To ensure you have complete peace of mind in structuring your wealth, our contract incorporates all these guarantees of security and flexibility, allowing you to better safeguard your savings while benefiting from excellent financial management.
Your frequently asked questions
The CAA blocks the assets deposited with the custodian bank to protect them from the insurer's creditors, then returns them as an absolute priority to the policyholder thanks to the super-privilege mechanism.
The assets linked to insurance contracts are recorded "off-balance sheet" by the bank: they do not belong to the bank and cannot be used to pay its debts. The insurance company transfers the custody of the securities to another banking institution.
Yes. Unlike standard contracts where the insurer imposes its sole partner bank, the Luxembourg framework allows you to select a custodian bank from a wide range of leading institutions.
A solution tailored to your ambitions
Let us assist you in structuring your Luxembourg estate.