Independent broker · Luxembourg
A Luxembourg life insurance policy, chosen on verifiable criteria.
A selection methodology made public, fees set out in detail before any conversation, a CAA licence verifiable in one click.
A personalised, no-obligation estimate, for any wealth situation in Luxembourg.
The Firm was founded on a simple conviction, against the grain of the sector’s habits: in a market where the sales pitch almost always comes before the proof, doing the opposite builds a more lasting relationship. Every claim on this site can be verified line by line, before the first conversation even takes place: the licence, the selection method, the fee structure, the nature of the remuneration.
Your situation
Three paths, the same standard throughout
01
Resident in Luxembourg
A resident, cross-border worker or expatriate settled locally. A quick first conversation, no detours.
02
Wealth held abroad
Wealth built up outside Luxembourg. What drives most first conversations is not performance: it is the sense of having lost control.
03
Professional partner
Wealth managers, family offices, tax lawyers. A dedicated space, an explicit way of working together.
Want to go further before your first conversation? Download the guide that sets out the four criteria used to select a company.
No sensitive information is requested at this stage.
What we promise, what we do not promise
Four foundations
| Foundation | What this means | What this does not mean |
|---|---|---|
| Protection framework | The underlying assets fall within a segregated estate, backed by a statutory privilege, under the conditions set by Luxembourg law. | A guarantee of performance, or unconditional access to the funds. |
| Independence of analysis | No capital ties to any insurance company, bank or asset manager. | A promise to select the « best » product for every profile. |
| Open architecture | Depending on contract eligibility, the policy can hold different underlying assets and management styles. | Automatic access to any unlisted or illiquid asset. |
| International mobility | The structure can be reviewed with a change of residence in mind. | Automatic tax neutrality, or an exemption from review in the new country. |
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The Firm reviewed my existing policy and proposed a move to a more competitive solution: fees cut by 27%, internal structure realigned with my wealth strategy. The support stayed discreet and precise, from the first conversation through to implementation.
Client since 2022, restructuring of an existing policy
Every situation is different: this result reflects one specific case, not an average or a guarantee that applies to every profile.
Would you like an estimate for your life insurance policy in Luxembourg?