A trusted framework for long-term wealth and pension planning in Sweden
Luxembourg life insurance is a comprehensive, flexible and secure investment solution, ideally suited to supporting all your wealth-management and pension-planning objectives within a tax-efficient framework.
For 35 years, OneLife has been designing tailor-made solutions based on this best-in-class model, helping you invest, protect and transfer your wealth with complete confidence.
As a Swedish tax resident, you have access to two dedicated solutions aligned with Swedish legal, tax and pension requirements.
Wealth Sweden (K-insurance)
A fully personalised investment structure that can evolve over time as your financial objectives change
- Available from EUR 100,000 (EUR 250,000 for internal dedicated or specialised insurance funds)
- Designed for individuals and companies
The life insurance policy may be underwritten as a lifetime or fixed-term solution with a minimum term of ten years and allows several portfolios to be held within a single policy, including dedicated funds, specialised insurance funds, external funds, and internal collective funds.
Different investment strategies can be combined (collective vs individual). The structure is also designed to support future relocation within OneLife’s European core markets.
Pension Sweden
An all-in-one occupational pension solution designed for Swedish legal entities seeking to simplify and optimise the management of pension capital
- Available from EUR 500,000 (other currencies possible, e.g. SEK)
- May be combined with a K-insurance for enhanced flexibility
Pension Sweden is a fixed-term, single-premium unit-linked pension plan enabling the consolidation of multiple Swedish pension schemes into one unified structure, under one investment strategy and one asset manager. The policy is governed by Luxembourg law under the supervision of the Commissariat aux Assurances (CAA) and also qualifies as occupational pension insurance under Swedish tax legislation.
Tax considerations
• Premiums may be tax-deductible in accordance with the Swedish Income Tax Act (typically up to 35% of salary and up to 10 income base amounts, depending on the situation)
• No premium tax and no wealth tax in Sweden or Luxembourg
• 15% annual yield tax applies, based on the policy value on 1 January
• Pension benefits are taxed as employment income in Sweden or in the country of residence at withdrawal
Key advantages for Swedish clients
OneLife’s Luxembourg life-insurance and pension solutions offer unique advantages within a compliant and transparent structure:
- Flexibility and diversification: multi-portfolio structuring and access to a wide investment universe according to investor profile (UCITS funds, ETFs, structured products, real estate, private equity and unlisted assets), freedom to appoint several asset managers and custodian banks, or to opt for self-management
- Strong investor protection through Luxembourg’s “Triangle of Security” and “Super Privilege”
- Tax efficiency: Luxembourg tax neutrality and generally more advantageous framework compared to direct investments
- Consolidation possibilities: ability to group multiple pension schemes and K-insurances into a single account (subject to case-by-case approval)
- Cross-border portability and international expertise: ideal for expatriates or families with cross-border ties
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
Marcus Häggkvist
+46 (70) 600 20 65
marcus.haggkvist@yourassets.com
