Protect your assets with a Luxembourg life insurance policy — starting from €15 000.
Enjoy full flexibility, tax neutrality, and zero entry fees.
Ready to secure your wealth ?
Luxembourg offers a unique Triangle of Security model: a legally protected structure ensuring that your capital remains safe — even if the insurer defaults.
All assets are held by a separate custodian bank, entirely independent from the insurer, under the control of Luxembourg’s financial regulator (CAA).
As a policyholder, you are a first-priority creditor. Your invested capital is reimbursed before any other claims — by law.
Luxembourg offers no cap on coverage — your investment is fully protected, regardless of amount.
We respond to every client request within 24 hours
Luxembourg life insurance combines the strength of European regulation with total flexibility in asset management.
Whether you invest conservatively or seek international diversification, your portfolio remains fully protected and accessible at any time.
Start from €15 000 with full service access.
Taxation applies only in your country of residence.
Professionally managed portfolios.
Every euro you invest works for you.
Épargne Plurielle is the leading independent wealth-management broker specialized in Luxembourg contracts. Our independence guarantees transparent selection and unbiased advice focused solely on your interests.
Unlike traditional banks or insurers, Épargne Plurielle charges no entry fees on portfolios above €100,000.
Every euro is invested, not diluted by costs — ensuring your wealth grows from day one.
Build a portfolio as international as your life. Access more than 1,500 funds in euros, dollars, or pounds — all within one secure Luxembourg policy.
From your first consultation to ongoing performance reviews, you’ll always deal with the same advisor. Your dedicated expert knows your goals — and adapts your strategy as they evolve.
Every Luxembourg life insurance solution begins with a structured review of your objectives, financial situation and constraints. Our role is purely advisory and independent, ensuring that each recommended structure is suitable, compliant and aligned with your long-term interests.
We work only with Luxembourg’s most reputable insurance providers.
Each contract offers distinct advantages — from guaranteed Euro funds to flexible investment mandates — ensuring a perfect fit for every investor profile.
AFI ESCA Luxembourg is a Luxembourg-based life insurance provider offering dedicated solutions for French tax residents in France and in more than 35 countries.
A reactive Luxembourg “pure player” insurer offering strong flexibility in alternative investments (notably real estate funds such as SCPI) and an excellent solvency ratio.
Accessible from €250,000, this contract benefits from one of the best back-office platforms on the market and highly performing Euro-denominated funds, subject to the Sapin 2 regulation.
Offers one of the broadest lists of accepted countries outside France.
A high-end, tailor-made solution designed to serve demanding investors. The only contract fully compliant for residents of Israel.
Luxembourg life insurance gives you complete freedom to invest across global markets and currencies — from traditional funds to alternative assets like real estate — all under one secure and regulated structure designed for long-term growth.
Through Luxembourg’s tax-neutral regime, only your country of residence applies its tax rules, allowing you to grow and manage your wealth efficiently across borders.
Luxembourg life insurance is a long-established wealth structuring solution used by private investors, entrepreneurs and internationally mobile families.
A Luxembourg life insurance policy operates as a flexible investment envelope governed by a strict European regulatory framework. Assets are held separately from the insurer’s balance sheet and remain available throughout the life of the contract.
This structure combines capital protection, international investment flexibility and fiscal neutrality. The applicable tax treatment depends on the policyholder’s country of tax residence, making it particularly suitable for cross-border situations.
Investors may access a wide range of asset classes, currencies and management styles while benefiting from a level of investor protection that is unique in Europe.
Today, Luxembourg life insurance is accessible from €15,000 and can be used for long-term investment, asset protection and wealth transmission strategies.
Luxembourg life insurance contracts are designed to offer transparent and competitive cost structures. Fees may vary depending on the selected insurer, investment amount and management options.
Typical cost components include:
There are no hidden costs. All fees are disclosed before subscription and remain subject to negotiation based on the size and structure of the investment.
Alongside life insurance, Luxembourg also offers capitalisation contracts, a complementary structure used for long-term asset holding and specific wealth-planning needs.
A capitalisation contract is not linked to an insured person and does not automatically terminate upon death. It may be held by individuals or legal entities and benefits from the same Luxembourg regulatory framework.
Épargne Plurielle operates within a fully regulated and supervised advisory framework. Our activity is governed by professional obligations designed to protect investors.
Authorised to advise and distribute insurance solutions under applicable regulations.
Member of recognised professional bodies governing professional and ethical standards.
Advisory activity conducted under regulatory supervision.
Covered by mandatory professional liability insurance and financial guarantees.
Start today — your consultation is free and commitment-free.
