The European economy is currently growing modestly. With geopolitical uncertainties and potential protectionist policies, especially as in the The European Commission stresses the need for structural reforms and investment to strengthen competitiveness while supporting future growth. 

On the investor side, the desire to have investment solutions that offer more security and flexibility in this context is intensifying.

If we focus on France, the current economic context offers no more certainty. Between political instability, rising unemployment and a sharply rising public debt; the economic outlook is cloudy. The French public debt, which exceeds 110% of GDP, could eventually lead the state to take measures to better control national savings.

In this context, the insurance contract life in Luxembourg appears to be an attractive solution for protecting against possible tax or regulatory decisions which may affect traditional investments and for combating a possible depreciation of the value of the euro.

One of the main advantages of the Luxembourg contract is the increased protection of capital. In France, the Sapin 2 law allows withdrawals to be temporarily blocked in the event of a financial crisis. The Luxembourg contract is free of this constraint, offering better liquidity in case of economic turbulence. In addition, the security triangle and super-privilege system protects policyholders in the event of the insurer’s bankruptcy, a significant advantage in an uncertain climate.

In addition to the strong securing of your assets, Luxembourg life insurance offers a wide choice of innovative financial supports and above all, in several currencies! Traditional external funds dedicated to internal funds and specialized funds are all funds that allow investors to better spread their risks by opting for ever greater diversification.

Note that for expatriate investors or people wishing to optimize their tax, the portability of the contract allows subscribers to benefit from the tax framework of their country of residence.

In the context of these contracts, several points of attention must be considered. The main one is the entrance ticket which usually amounts to more than six figures and the management costs which can be relatively high compared to French life insurance.

At Finankap Group, we select contracts and partners in advance so that we can meet YOUR objectives and offer you tailor-made solutions that suit YOU. It is in this interest that we select our Luxembourg life insurance contracts, which combine cost control and more accessible investment opportunities.

To learn more about this specific contract, please see our detailed article:

Découvrez les atouts du contrat d’assurance-vie luxembourgeois

Or contact us at: contact@finankap.com

Finankap Group, always by your side to give life to your desires.