Our solutions to Belgium residents

Choose the investment that’s right for you

Luxembourg life insurance is a comprehensive, flexible and secure investment solution that is ideal for supporting all your wealth projects in a tax-efficient framework.

For 35 years, OneLife has been designing tailor-made solutions based on this Luxembourg model of excellence to help you manage, protect and transfer your wealth with complete peace of mind.

As a major player in investment insurance in Belgium, OneLife offers a wide and complementary range of policies accessible both from our head office in Luxembourg and via our Belgian branch opened in 2024, to better meet our clients’ expectations.

If you are a private client residing in Belgium, you can access branch 23 life insurance policies governed by Belgian law linked to changes in the value of one or more investment vehicles, without capital guarantee or guaranteed return.

Our policies distributed from our head office in Luxembourg

The Camelea, Adiameris and Wealth Belgium life insurance policies are distributed from our head office in Luxembourg, as is the OneLife Pension Belgium policy (individual pension commitment insurance, or ‘ICP’). These policies, denominated in euros or in another currency, enable persons planning expatriation to benefit from portability (after analysis by OneLife).

Camelea

An effective and flexible solution for medium- or long-term savings and inheritance planning

From EUR 25,000 investment
Access to more than 400 investment funds

The Camelea policy provides access to over 400 carefully selected investment funds managed by fund houses of renown (open architecture framework). At any time you may make additional payments, redirect your investments and access your funds. Furthermore, the implementation of free and automatic switch options and the ability to select additional death cover enables you to optimise your portfolio.

Adiameris

A sophisticated yet at the same time straightforward investment solution for the long term, customised in order to adapt to changes in the personal and financial needs and objectives of each individual

From EUR 250,000 investment
Flexible investment strategy

The Adiameris policy is linked with a “dedicated” internal fund, invested in an asset portfolio in accordance with a customised investment strategy (personalised portfolio) or predefined investment strategy (model portfolio), managed by a selected investment manager. The investment strategy may be modified at any time, in line with the investor profile.

Wealth Belgium

A “multi-vehicle” solution enabling different types of investment vehicles to be simultaneously incorporated within a single policy, with different degrees of customisation

From EUR 250,000 investment
Access to a wide choice of underlying assets depending on the profile of the policyholder

The Wealth Belgium policy can be linked simultaneously to different types of investment vehicles:

a wide choice of external funds selected by OneLife, normally reserved for institutional investors above higher investment amounts
collective internal funds offered by OneLife
one or more personalised “dedicated” internal funds managed by a selected investment manager

The investment strategy evolves throughout the life of the policy.

OneLife Pension Belgium

An ICP (individual pension commitment) insurance in the form of a Branch 23 unit-linked and fixed-term policy.

Investment possible in different types of investment vehicles depending on the policyholder's profile and the investment amount

OneLife Pension Belgium falls under the second pillar of the Belgian pensions system, while benefitting from all the advantages offered by the Luxembourg regulatory framework in terms of investment flexibility and protection (“Triangle of Security”).

It is linked to a very extensive investment universe (external and/or internal collective or dedicated funds).

Our policies distributed from OneLife Belgian Branch

The BeLife and Be I-Funds life insurance policies are distributed from our Belgian branch.

These policies, denominated in euros, combine the advantages of Luxembourg life insurance in terms of investment flexibility and asset protection with the proximity of a Belgian financial environment.

The benefits of a Belgian policy, offered by our branch in Belgium:

Transactions carried out within a domestic banking framework: custodian bank and banking institution located in Belgium
Dual regulatory supervision, carried out by the Commissariat aux Assurances (CAA) in Luxembourg on the one hand and by the Financial Services and Markets Authority (FSMA) and the National Bank of Belgium (NBB) on the other hand

BeLife

A simple and hybrid solution for medium- or long-term savings and inheritance planning

From EUR 10,000 investment
A "100% Belgian" policy

BeLife is designed for private clients residing in Belgium who are seeking to invest over the medium or long term in a wide range of external funds authorised by the FSMA, while retaining the ability to access their funds at any time.

Among the many advantages of this policy is the possibility of making regular premiums payments (from EUR 100 per month).

Be I-Funds

An optimal and transparent investment solution to manage your investments and plan your succession

From EUR 100,000 investment
A "100% Belgian" policy

Be I-Funds is aimed at private clients residing in Belgium who are looking for a medium or long-term investment solution, while retaining the freedom to make additional payments to the policy and access their funds at any time.

Benefit specific to Be I-Funds: access to a wide range of external funds offered by reputable international fund managers authorised by the FSMA, normally reserved for institutional investors above higher investment amounts.

Key advantages for Belgian clients

OneLife Luxembourg life insurance policies offer unique benefits within a compliant and transparent structure:

Open architecture framework: wide diversification of your portfolio possible thanks to a wide range of investments depending on your investor profile and the choice of policy (UCITS funds, structured products, non-traditional or unlisted assets).
Favourable taxation: favourable tax regime for a branch 23 life assurance policy compared to a traditional securities account
Enhanced investor protection: Luxembourg's "triangle of security" and "super privilege" protect your funds in the event that the insurer has financial difficulties
Wealth management planning: transfer of your funds, on a predefined date or on your death, to the persons of your choice by designating one or more beneficiaries, with the freedom to modify them during the life of the policy. Planning of the transfer by experts, regardless of your family situation: blended family, planned relocations, expatriate children
Compliance and transparency: the automatic exchange of information under the CRS ensures full tax compliance

How to access our solutions?

Our policies are exclusively available through independent insurance intermediaries in Belgium.
If you are interested in our solutions, we invite you to contact your insurance intermediary, who can contact OneLife in order to design the solution best suited to your situation.