A trusted framework for wealth and capital management in Luxembourg
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 Luxembourg resident — whether an individual or a legal entity — you have access to two dedicated solutions governed by Luxembourg law.
Wealth Luxembourg
A secure and versatile vehicle for long-term investment, wealth accumulation and inheritance planning
- Available from EUR 100,000 (EUR 250,000 in case of an internal dedicated or specialised insurance funds)
- Designed for individuals and legal entities
The solution allows you to build a diversified investment portfolio tailored to your risk profile and long-term objectives, while retaining access to your capital at any time through partial or total surrender.
It also supports inter-generational wealth planning, offering full freedom to designate beneficiaries under Luxembourg law, and is suitable for both individuals and legal entities seeking a flexible and internationally recognised structure.
Capitalisation Luxembourg
An efficient and transparent structure for managing and growing assets over the medium to long term
- Available from EUR 100,000 (EUR 250,000 in case of an internal dedicated or specialised insurance funds)
- Designed for individuals and legal entities
The solution enables you to consolidate your assets within 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 the need for a designated life assured, and the structure can be adapted to a wide range of investment strategies and asset-allocation requirements.
Key advantages for Luxembourg clients
OneLife’s Luxembourg life insurance and capitalisation solutions offer unique benefits within a compliant, transparent and internationally recognised structure:
- Open investment architecture: access to a broad range of investments according to your investor profile (UCITS, ETFs, equities, bonds, structured products, real estate, private equity, and alternative assets), and freedom to select multiple asset managers and custodian banks, or opt for self-management
- Tax efficiency: accumulated gains benefit from tax deferral until partial or total surrender. No wealth tax or premium tax applies in Luxembourg, ensuring an efficient environment for long-term capital growth
- Strong investor protection: Luxembourg’s “Triangle of Security” and “Super Privilege” safeguard your assets against potential insurer insolvency
- Wealth transfer flexibility: life insurance enables wealth transfer inter vivos (as a donation) and mortis causa (upon death under Luxembourg law, offering a flexible and fully recognised structure comparable to trust-based planning while remaining straightforward to implement
- International planning and compliance: suitable for clients with cross-border mobility or international family situations. Contracts remain valid if the policyholder relocates abroad (subject to OneLife’s analysis). Full tax transparency is ensured through automatic exchange of information under CRS
How to access our solutions?
Our policies are exclusively distributed through our network of partners: wealth management advisers, brokers, private banks and family offices.
If you are interested in our solutions, we invite you to contact your wealth adviser, who will reach out to OneLife to design the solution best suited to your needs.
You don’t currently have a wealth adviser?
