Long-term investment, wealth preservation and succession planning in Finland
Luxembourg life insurance is a comprehensive, flexible and secure investment solution, ideally suited to supporting all your wealth-management objectives within a tax-efficient framework.
For 35 years, OneLife has been designing tailor-made solutions based on this best-in-class model to help you invest, protect and transfer your wealth with complete peace of mind.
As a Finnish tax resident — whether an individual or a legal entity — you have access to two dedicated Luxembourg life insurance solutions specifically designed to meet Finland’s requirements.
Wealth Finland
A sophisticated and fully customisable structure for long-term investment and wealth transfer, capable of adapting to evolving financial objectives
- Available from EUR 250,000
- Designed for individuals seeking efficient wealth management and transfer
Wealth Finland is a unit-linked life insurance policy offering Finnish residents a robust, internationally portable structure for long-term wealth accumulation, inheritance planning and efficient portfolio organisation.
Key features:
• May be underwritten as a lifetime or fixed-term policy (minimum 10 years)
• Multiple investment portfolios may be combined within a single policy
• Liquidity available through partial or total surrender
Capitalisation Finland
An efficient and compliant structure for managing retained corporate profits within a flexible, internationally portable framework
- Available from EUR 250,000
- Tailored for Finnish legal entities and entrepreneurs
Capitalisation Finland is a Luxembourg-based capitalisation policy designed for Finnish legal entities and entrepreneurs seeking a secure and tax-efficient structure to support long-term capital growth, investment consolidation and business-succession planning.
The policy offers access to eligible asset classes, liquidity through partial or full surrenders, and the freedom to choose investment managers and custodian banks.
Key advantages for Finnish clients
OneLife’s Luxembourg life-insurance solutions offer unique benefits within a transparent and compliant structure:
- Open investment architecture: access to a broad investment universe aligned with your investor profile (UCITS, ETFs, equities, bonds, structured products, private equity, real estate and alternative assets), with freedom to appoint several asset managers and custodian banks, or opt for self-management
- Tax efficicency: accumulated gains are generally exempt from Finnish income tax until surrender or maturity, in line with Finnish tax rules. Luxembourg’s tax neutrality
- Strong investor protection: Luxembourg’s “Triangle of Security” and “Super Privilege” provide one of the highest levels of policyholder and investor protection in the world, safeguarding assets against insurer or custodian insolvency
- Wealth-transfer flexibility: life insurance enables both inter vivos and mortis causa transfers, offering trust-like flexibility within a simple and fully recognised legal structure suitable for long-term family and succession planning
- International planning and compliance: well-suited to internationally mobile families, entrepreneurs and investors. Policies remain valid across OneLife’s European core markets, and comply fully with Finnish and EU regulatory requirements, including CRS for tax transparency
How to access our solutions?
Our policies are exclusively distributed through our network of partners: wealth management advisers, brokers, private banks and family offices.
We invite you to contact our trusted partner Your Assets for personal guidance on this market:
Lars Kornmod
+352 621 798 761
lars.kornmod@yourassets.com
Torben Maj
+352 621 217 131
torben.maj@yourassets.com
