Your Luxembourg life insurance policy, checked line by line

Real costs, the structure used, and its fit with your current situation: an independent review of what you have already taken out, not a new sale.

What is actually reviewed

A policy already taken out rarely answers every question it should raise. The review covers three points, the same criteria already published on this site for any new subscription:

The real costs, broken down into the usual four layers (entry, management of the wrapper, underlying investments, depositary bank), compared with what is generally observed on the market.
The structure used (Internal Collective Fund, Internal Dedicated Fund, Specialised Insurance Fund) and how well it fits the amount invested and the degree of customisation sought.
Consistency with your current situation: a policy taken out in a given context does not necessarily suit a situation that has since changed (a change of residence, transmission still to organise, international mobility).

Why an independent review

A policy taken out elsewhere has not always been explained with the same transparency on fees or the selection method. This is not a question of good or bad faith: it is the consequence of a sector where information, by default, is rarely made public. This review does not call an existing choice into question. It clarifies its terms.

A real example: see the testimonial on the homepage →

What you receive

At the end of this review, you receive a written summary: the fees reconstructed line by line, the structure identified, any points of concern identified, and a clear answer to the question that most often prompts this step: does this policy still match what you need today.

Get my policy reviewed