Meeting the most sophisticated wealth management needs
Comprehensive, flexible and secure, Luxembourg life assurance is the ideal investment solution for supporting all your wealth projects within a tax-efficient framework.
For 35 years now, 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 French resident, private client or legal entity, you can access insurance solutions distributed from our head office in Luxembourg and through our French branch.
Policies distributed from our head office in Luxembourg
Wealth France and Capitalisation France policies, denominated in euros or another currency, enable people planning expatriation to benefit from portability (after analysis by OneLife).
Wealth France
A safe and versatile vehicle for long-term investment, wealth consolidation and estate planning
- Available from EUR 100,000 (EUR 250,000 for internal dedicated funds and specialised insurance funds)
- Designed for private clients
The Wealth France policy may be simultaneously linked with different types of investment vehicles (external, internal collective, internal dedicated and specialised insurance funds).
Access to a wide range of assets depending on the profile of the policyholder. The investment strategy evolves throughout the lifetime of the policy.
Capitalisation France
Efficiently and transparently structured for medium and long-term asset management
- Available from EUR 100,000 (EUR 250,000 for internal dedicated funds and specialised insurance funds)
- Designed for private clients and legal entities
The solution enables you to consolidate your assets into a single, transparent and tax-efficient structure, while optimising long-term returns and maintaining liquidity and investment flexibility.
You retain full ownership of the policy without having to designate a beneficiary, with the structure fully adaptable to a wide range of investment strategies and asset allocation requirements.
Policies distributed from our French branch APICIL Life
Intencial Gestion Privée II Vie & Capi
Develop, protect and transfer
- Available from EUR 20,000
- Access to euro funds in addition to unit-linked funds
The Intencial Gestion Privée II – Vie & Capi policy is an insurance solution (life and/or capitalisation) that provides access to a wide selection of investment vehicles (including euro funds) supported by various modes of management (free, profiled or under mandate).
It allows you to diversify your investments, optimise estate planning (life assurance) and benefit from a favourable tax framework depending on the holding period.
Key advantages for French 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
- Favourable tax treatment: beneficial tax regime applicable to life insurance policies. OneLife policies are not subject to the “Sapin 2” law
- Enhanced investor protection: Luxembourg's "Triangle of Security" and "Super Privilege" protect your investments in the event of the insurer experiencing financial difficulties
- Wealth planning: transfer of your investments (on a predefined date or on your decease) to the persons of your choice by designating one or more beneficiaries, with the freedom to make changes during the lifetime of the policy. Transfer planned by experts, regardless of your family situation: remarriage, mobility, expatriate children
- Compliance and transparency: the automatic exchange of information under CRS ensures full tax compliance
How to access our solutions
Our policies are exclusively distributed by our partners: wealth management advisers, brokers, private banks and family offices.
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 particular situation.
You do not currently have a wealth management adviser?
