OneLife, a leading Luxembourg life insurance company with nearly 35 years of cross-border expertise and €10.5 billion in assets under management, proudly announces the launch of Pension Sweden – the first pension product developed in Luxembourg specifically for the Swedish market. Offered under the Freedom to Provide Services, this tailored, tax-efficient solution is designed for Swedish legal entities and high-net-worth individuals, combining the strengths of Luxembourg’s financial ecosystem with OneLife’s deep understanding of Nordic client needs. This new solution strengthens OneLife’s offering in the region, adding to its successful Wealth Sweden product, and reflects its continued commitment to providing innovative, compliant and flexible wealth planning tools.
“Pension Sweden is the natural next step in our commitment to the Swedish market,” said Bruno Valersteinas, CEO of OneLife. “We understand the complexities faced by both individuals and companies in managing pension assets. This product leverages the security and regulatory advantages of Luxembourg while offering Swedish clients powerful tools to optimise, grow and preserve their pension capital.”
Tailor-Made Pension Planning for Swedish Legal Entities and HNWIs
Pension Sweden is a fixed-term, single-premium, unit-linked life insurance policy, available from SEK 5 million. It qualifies as an occupational pension insurance in line with Swedish tax law and is ideal for clients seeking structure, control, and long-term growth. The policy allows the consolidation of multiple pension schemes and K-insurances into a (single) account, managed by one asset manager, with one coherent investment strategy[1]. It also supports the transfer of capital from existing pension plans under a compliant framework, both subject to approval.
Clients can build a fully tailored investment strategy aligned with their financial goals, risk profile, and time horizon. With access to a broad investment universe—including UCITS, ETFs, private equity and alternative assets—clients enjoy the freedom to appoint their preferred asset manager or custodian bank or manage the assets independently.
Why Luxembourg, Why OneLife?
Luxembourg offers one of the most secure and transparent environments for life insurance-based wealth solutions. The country’s Triangle of Security ensures that client assets are protected from the insolvency of both the insurer and the custodian bank. Investors also benefit from the Super Privilege, which gives policyholders absolute priority over other creditors, including the State, in case of insurer default. Assets held by the custodian bank are covered by Luxembourg’s unlimited deposit guarantee mechanism (excluding cash). Moreover, Luxembourg maintains a triple AAA rating from Standard & Poor’s, Moody’s, and Fitch, underlining its financial strength and global reliability.
“Choosing OneLife means working with a provider that combines decades of experience, cutting-edge digital tools, and dedicated multilingual teams, including local expertise for Sweden”, says Lars Kornmod, CEO and Partner at YourAssets, and Gonzalo García Pérez, Head of Wealth Planning & Product Solutions at OneLife, adds: “Regulated by the Commissariat aux Assurances, OneLife ensures that each solution is both internationally compliant and individually tailored to meet clients’ evolving needs”.
| A Strategic Partnership with |  |
The launch of Pension Sweden is further strengthened through a close partnership with YourAssets, a Luxembourg-based insurance brokerage firm operating under a CAA license, with a registered branch in Sweden. With deep knowledge of Swedish pension structures and a focus on tailored wealth solutions, YourAssets brings local insight and trusted guidance to OneLife clients to ensure seamless integration with their overall financial planning.
“This collaboration ensures that Swedish clients benefit from both local market knowledge and international planning expertise,” adds Valersteinas.
Discover More
To learn more about Pension Sweden or to explore partnership opportunities, contact our trusted partner YourAssets at marcus.haggkvist@yourassets.com or +46 (70) 600 20 65 to get in touch with Marcus Häggkvist, Branch Manager Sweden.
For further information about our wealth planning solutions in Sweden, please visit our dedicated page or contact us
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[1] May be subject to OneLife conditions.