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June 27, 2025

AIG Europe S.A. Insurance Plans

 

Insurance Plans Available from AIG Europe S.A. (Luxembourg)

AIG’s Luxembourg branch offers a wide range of tailored solutions for both businesses and individuals, backed by global expertise and strong local presence since 1995.

🏢 1. Corporate & Risk Management Solutions

AIG’s strength lies in protecting companies of all sizes and sectors. Their key business insurance products include:

• Accident & Health Insurance

Custom plans to protect employees—ranging from small firms to multinationals—covering medical, disability, and group accident needs.

• Financial Lines

A suite of solutions including:

  • Directors & Officers Liability

  • Professional Indemnity

  • Employment Practices Liability

  • Pension Trustee Liability

  • Cyber insurance

  • Public Offering/Securities Insurance

  • Mergers & Acquisitions cover

  • Crime and pension trustee liability

• Casualty, Environmental & Product Recall

Shield businesses from liabilities related to products, pollution, environmental impact, and PR crises.

• Property & Construction

Insurance for assets from office buildings to infrastructure projects, including business interruption protection.

• Marine & Aviation & Energy

Specialised cover for marine transport, aviation risks, aerospace, oil & gas, utilities, and related industries.

• Warranty & Service Programs

Extended warranty and damage protection for products in sectors like consumer electronics, appliances, and retail—often sold via OEMs and retailers.

• Crisis Response & Political Violence

Crisis Solutions, Kidnap & Ransom, and Political Violence cover secure businesses operating in unstable regions.

AIG Europe S.A. Insurance Plans

👪 2. Individuals & Family Solutions

AIG also offers tailored insurance products for individuals and families in Luxembourg:

• Individual Accident & Health Plans

Expatriate and foreigner health care covers, group accident, and IA (individual personal accident) policies.

• Travel Insurance

Comprehensive travel and event cancellation insurance, including assistance, repatriation, baggage protection, and public liability.

• Motor Vehicle & Assistance

Motor insurance and breakdown assistance are available, with full coverage streamlined via brokers.


🔐 Why AIG Europe Luxembourg Stands Out

  • Breadth of Expertise: From SMEs to global corporations across all sectors

  • Local Presence, Global Capacity: Luxembourg hub for EMEA risk solutions since 1995

  • Specialised Claims Teams: Industry-leading experience in handling complex claims

  • Custom, Industry-Specific Products: From cyber-risk to political violence

  • Product Access via Brokers: Particularly for tailored or regulated markets


Who Should Consider AIG Luxembourg

  • Companies seeking advanced protection for directors, management, assets, or global operations

  • Firms in high-risk sectors like energy, aerospace, or shipping

  • Businesses needing extended warranties or crisis management support

  • Expat families or individuals looking for tailored health, accident, or travel insurance in Luxembourg

🔗 https://www.aig.lu

Generali Luxembourg Insurance Plans

 

Insurance Plans at Generali Luxembourg

Generali Luxembourg specializes in bespoke life-insurance and capitalisation products tailored for affluent and discerning clients. Their offerings are crafted for those who want flexible wealth accumulation, estate planning, and multi-support investment options within a secure Luxembourg legal framework.

🏦 1. Espace Lux Vie Luxembourg

This is Generali’s flagship life-insurance savings plan designed to serve long-term goals:

  • Flexible funding with a minimum initial contribution of €250,000 and top-ups of €20,000 or more.

  • You can shift your investment between multiple supports at any time—subject to minimums.

  • Partial or full redemptions are possible (minimum €10,000) when your financial needs change.

  • Investment options include:

    • Guarantee-based euro fund

    • FID (Internal Dedicated Funds) with Defensive, Balanced, Dynamic, or Bold profiles

    • Specialized Insurance Funds (FAS) or collective funds

  • ESG principles are supported through qualifying investment options

  • Documents like key informational Fiches and PRIIPs regulatory paperwork ensure transparency

  • This plan is great for long-term savers looking for both control and protection


🧾 2. Espace Lux Capitalisation Luxembourg

Similar to the life plan, but structured as a capitalisation contract (without a death benefit):

  • Fully funded from €250,000 with similar top-up and reallocation options

  • Designed purely for wealth accumulation

  • Ideal for investors focused only on capital growth or inheritance planning

  • Offers the same investment flexibility—euro fund, FID strategies, collective funds

  • Allows redemptions subject to minimums—good for liquidity management

Generali Luxembourg Insurance Plans

🌍 Key Advantages of Generali Luxembourg Plans

  1. Modular and Flexible: Fund allocation, investment profiles, and redemptions can be changed at will.

  2. Minimum Investment Focused: These are made for serious investors—starting sums are substantial.

  3. Rich Fund Choices: Both internal and external funds cater to different risk appetites and sustainability goals.

  4. Luxembourg Legal Safeguards: Premium client asset protection, ring-fencing between insurer and bank, and regulatory oversight.

  5. ESG-Compliant Options: Supports socially responsible investing through qualifying funds.


✅ Who Should Consider Generali Luxembourg

  • High-net-worth individuals seeking long-term savings and estate planning

  • Investors targeting capital growth without needing life insurance components

  • People wanting full control over investment profiles and fund switches

  • Those who prefer Luxembourg’s legal security for fund protection


Generali Luxembourg positions itself as a premier provider for those who want a refined and controlled investment-insurance experience in a secure and well-regulated environment.


🔗 https://www.generali.lu/our-offer-luxembourg/

Allianz Life Luxembourg S.A. Insurance Plans

 

Insurance Plans at Allianz Life Luxembourg S.A.

Allianz Life Luxembourg offers a range of life-insurance solutions crafted for long-term savings, retirement planning, personal protection, and wealth structuring. Backed by the financial strength of Allianz and Luxembourg’s secure regulatory framework, they’re a solid choice for individuals and families seeking reliability and flexibility.


💶 1. Lifetime Savings & Investment Plans

Allianz provides multi-support life-insurance products that suit different investment preferences:

  • Guaranteed-capital (euro) Funds – A stable option where your investment is protected through euro-denominated funds with steady returns.

  • Unit‑Linked Funds – Choose between balanced, dynamic, or equity-focused portfolios. These allow customization of risk and potential growth.

  • Hybrid Structures – Combination of guaranteed funds with unit-linked elements for a balanced approach.

  • Flexibility – You can make regular or single contributions, and adjust your strategy or switch between funds over time.

These plans include life-insurance wrappers, meaning your chosen beneficiaries get death benefits and the policies can be structured for estate planning.


👴 2. Pension & Retirement Solutions

Allianz's retirement products are aimed at helping you build a secure future income:

  • Supplementary Pension Contracts – Designed to top up state or employer pension provisions.

  • Payout Options – Upon retirement, you can select a lump sum, lifelong annuity, or a combination of both.

  • Tax-Advantage Potential – Contributions may benefit from Luxembourg’s tax-efficient treatment, depending on your situation.

  • Flexible Contributions – Start early or later, with regular or one-off payments, and adjust as your earnings change.

These plans are ideal for individuals planning long-term financial independence or securing retirement income.


🛡️ 3. Loan and Mortgage Protection

Allianz offers life and disability cover structured to match any loan commitment:

  • Protects outstanding balance if death or total permanent disability occurs.

  • Licensed for mortgages – Ensures your home loan is paid off, preventing financial burden on loved ones.

  • Term matched to the loan duration.

  • Tax-efficient premiums might qualify under Luxembourg’s insurance-related deductions.

This is a smart option for anyone taking on significant personal or housing loans.


👨‍👩‍👧 4. Life Insurance for Personal Protection

Allianz also offers life-insurance contracts focused on protection:

  • Term Insurance – Covers a predetermined amount if you pass away during the policy period.

  • Whole Life Option – Guarantees lifelong coverage with a death benefit.

  • Disability Riders – Optional add-ons for total permanent disability or critical illness.

  • Flexible Coverage Amounts – You choose the sum insured and term length to suit your needs.

These plans are well-suited to individuals who prioritize family security or want to complement their investment strategies.

Allianz Life Luxembourg S.A. Insurance Plans

🌍 5. Wealth Structuring & Estate Planning Tools

Advanced plans for managing and transferring wealth efficiently:

  • Customisable Contracts – Ideal for high-net-worth individuals looking to align life insurance with trusts, foundations, or estate planning.

  • Multi-jurisdictional Portability – Contracts remain valid even if you move abroad.

  • Asset Protection – Luxembourg’s safeguarding mechanisms ensure your funds are ring-fenced.

  • Designated Beneficiaries – Smooth transition of wealth outside probate, with potential options for guaranteed minimum payouts.

These are suited for those planning a structured legacy or cross-border asset strategy.


🔐 Common Benefits Across Allianz Life Plans

  • Luxembourg legal security – assets secured in a separate structure with priority protection

  • Investment flexibility – switch strategies as needed

  • Death benefits and designated beneficiaries – clear estate planning tools

  • Partial redemptions and premium top-ups – access your funds or increase investment

  • Tax-efficiency – applies to savings, retirement and mortgage-linked contracts

  • International portability – ideal for expats and globally mobile clients


✅ Who These Plans Are Ideal For

  • Individuals saving systematically for retirement or long-term goals

  • Homebuyers seeking mortgage repayment security

  • Families planning personal protection with investment components

  • HNW or UHNW individuals structuring cross-border wealth transfers

  • Professionals and expats who need flexible, legally robust insurance solutions


Allianz Life Luxembourg’s suite offers robust savings, protection, and wealth planning for varying needs—from everyday families to globally mobile individuals or high-net-worth clients.


🔗 https://www.allianz.lu/life-insurance-luxembourg

Swiss Life (Luxembourg) S.A. Insurance Plans

 

Insurance Plans at Swiss Life (Luxembourg) S.A.

Swiss Life Luxembourg is known for its premium life-insurance products designed to help individuals build wealth, plan for retirement, secure personal protection, and transfer assets efficiently. With the added strength of Switzerland’s and Luxembourg’s regulations, these plans offer a reliable combination of flexibility, long-term planning, and asset protection.


🏦 1. Employee Benefit Plans & Executive Pensions

These plans are tailored for professionals and executives who wish to enhance their employee compensation packages:

  • Executive Pension Plans allow participants to contribute pre-tax funds and structure their own portfolio via unit-linked funds.

  • Group Insurance Solutions cover group life, disability, hospitalisation, and retirement for company employees.

  • Fully integrated with corporate pension plans and structured to align with both international assignments and domestic career changes.


💶 2. Wealth Structuring & Savings Plans

Swiss Life Luxembourg offers flexible life insurance designed for personal wealth accumulation and strategic financial planning:

  • Unit-linked Savings Policies with choices between balanced, dynamic, or equity-focused investment strategies.

  • Guaranteed-capital options are offered through euro-denominated internal funds.

  • The plans support partial withdrawals and top-ups at any time.

  • Beneficiaries, nomination structures, and death benefits are fully customizable.

  • Investors benefit from Luxembourg’s legal protections, including the ring-fencing of assets.


🌍 3. Cross-Border Retirement & Pension Plans

These plans serve clients working across multiple countries who seek Luxembourg-domiciled insurance solutions:

  • Tax-efficient supplemental pension contracts with multi-jurisdictional portability.

  • Flexible payout options upon retirement, including lump sums, lifelong annuities, or hybrid structures.

  • Premium payments and benefits adapt depending on residence and employment changes.

Swiss Life (Luxembourg) S.A. Insurance Plans

🛡 4. Mortgage / Loan Protection Plans

Swiss Life offers life and disability coverage that directly aligns with your loan commitments:

  • You choose the coverage term to match your mortgage or loan period.

  • Lump sum is paid to your lender (or beneficiaries) upon valid claim, helping to protect your home or assets.

  • Premiums qualify for Luxembourg tax benefits under relevant insurance articles.


🛠️ 5. Wealth Transfer & Estate Planning Contracts

Swiss Life Luxembourg has high-end solutions aimed at preserving value and passing it on smoothly to heirs:

  • Developed for affluent individuals, often using structures like trusts or holding companies alongside dedicated life contracts.

  • Policies include options for guaranteed minimum death benefits and customizable investment funds.

  • Contracts are structured to bypass probate, reduce inheritance concerns, and offer legal protection within Luxembourg’s system.


🧩 Key Features Across All Plans

  • Customizable investment strategies, including diversified or high-growth profiles

  • Capital guarantees via internal euro funds

  • Life insurance wrappers providing beneficiary designation and estate planning

  • Partial liquidity, with optional withdrawals or top-ups

  • Robust Luxembourg legal safeguards, such as ring-fencing and priority creditor protection

  • Cross-border flexibility for expats and multinational families


✅ Who Swiss Life Luxembourg Serves Best

These policies are ideal for:

  • Professionals and executives needing corporate pension or supplemental plans

  • Families seeking flexible savings with security and tax efficiency

  • Mortgage holders wanting protection in case of unforeseen events

  • High-net-worth individuals planning legacy and estate transfers

  • Clients living or working across borders who require contract portability


These are the core insurance solutions offered by Swiss Life Luxembourg—highly versatile, professionally structured, and built for reliability and peace of mind.


🔗 Visit Swiss Life Luxembourg’s official website for full product details


Lombard International Assurance Insurance Plans

 

Insurance Plans Available from Lombard International Assurance

If you're managing substantial assets, navigating cross-border moves, or planning how to pass wealth across generations, Lombard International Assurance offers top-tier life insurance solutions. Based in Luxembourg and now part of the Utmost Group, their products are built specifically for high-net-worth and ultra-high-net-worth individuals (HNW/UHNW) who need bespoke, globally portable, and asset-protective insurance solutions.

🏦 1. Bespoke Unit-Linked Wealth Structuring

This isn’t a one-size-fits-all plan—it’s a completely customised solution:

  • You work with a dedicated advisor to build a tailor-made insurance policy that integrates with trusts, holding companies, or foundations.

  • Solve estate planning issues like succession, key‑person protection, loan repayment, tax optimization, or business transfer.

  • Invest across a wide range of assets: equities, bonds, real estate, private equity, hedge funds, commodities, even non-traditional assets.

  • Change strategy or beneficiaries whenever needed—you retain full control over how and when money is distributed.


🌍 2. Cross-Border Portability & Legal Protection

Key benefits include:

  • International recognition: Policies are accepted across different jurisdictions without losing value or protection.

  • Triangle of Security: Client assets are fully ring-fenced in a custodian bank and protected by Luxembourg’s legal mechanisms—even if Lombard (or the bank) were to fail.


📈 3. Variable Universal Life & Variable Annuity Options

These hybrid plans combine investment flexibility with life insurance protection:

  • Premiums and death benefits can be adjusted over time to suit evolving needs.

  • Embedded value grows tax-efficiently within the policy.

  • You can access cash value via withdrawals or policy loans.

  • Annuity options provide guaranteed retirement income.


🛡️ 4. Private Placement Insurance

Designed for extremely wealthy, sophisticated investors:

  • Accessible only via private banks or family offices.

  • Opens up exclusive alternative investments (private equity, hedge funds, etc.).

  • Offers bespoke structuring with robust legal safeguards.


🔧 5. Trust-Like Wealth Preservation Tools

Lombard’s policies function like insurance-wrapped trusts, but with added flexibility:

  • Assets pass to beneficiaries directly, without probate.

  • You maintain control during your lifetime.

  • Beneficiaries are protected from creditors—ideal for complex family or business situations.

Lombard International Assurance Insurance Plans

Who These Plans Are Made For

  • Affluent individuals managing €1 million+ in assets

  • Families handling cross-border wealth and succession

  • Individuals needing tailored solutions—tax planning, key person risk, philanthropic goals

  • Anyone seeking global flexibility and strong legal protection


🌐 Why I Recommend Lombard International

  • Deep customization: Every plan is co-created with your advisor, tailored to your exact needs.

  • Global mobility: You're covered whether you move, retire, or invest abroad.

  • Top-tier asset protection: All investments are custodied independently under Luxembourg’s Triangle of Security.

  • Alternative asset access: Beyond stocks and bonds—even private equity, real estate, hedge strategies.

  • Adjustable and future-ready: Change contributions, strategies, or payout timing as life evolves.

🔗 Visit Lombard International Assurance’s official website


Cardif Lux Vie Insurance Plans

 

Insurance Plans Available from Cardif Lux Vie

Cardif Lux Vie (a subsidiary of BNP Paribas Cardif) specializes in high-end, internationally tailored life-insurance solutions built for asset structuring, retirement planning, loan protection, and wealth transfer. Their focus on flexibility, portability, and Luxembourg’s robust legal framework makes them a top choice, especially for expats and high-net-worth individuals.

🏦 1. Mortgage / Credit Protection Insurance

This uninsured covers your outstanding loan in the event of death or disability. You choose the insured amount and coverage profile, and you can pay a single premium or periodic installments. If something happens, the policy settles the loan balance—helping your family retain the property debt-free. Premiums are tax-deductible, and each policy plants a tree as part of a reforestation initiative. (bgl.lu, cardifluxvie.com)


💶 2. OptiSave+ – Classic Savings Policy

An investment-savings contract allowing flexible contribution schedules (monthly, quarterly, annual), with a minimum contribution of €50. The policy is designed for long-term accumulation (recommended 10 years). Premiums are tax-deductible (up to €672 per person per year), and the final payout is tax-free in Luxembourg. You can partially or fully redeem at any time.


💤 3. OptiPension+ – Retirement & Pension Plan

A tailored pension solution that combines savings and insurance: choose your investment strategy, contribution amount, and payment frequency. You can collect your savings as a lump sum or annuity at retirement (after age 60). Contributions are tax-deductible up to €3,200/year and recognized as socially responsible—it's the first Luxembourg plan with LuxFLAG ESG certification.

Cardif Lux Vie Insurance Plans

🌍 4. Liberty 2 Invest & Elite Lux – International Wealth Management

For investors looking to structure their assets, these multi-support life plans are built to offer:

  • A guaranteed-capital "general fund"

  • External funds, including sustainable or ESG options

  • Internal dedicated and collective funds starting from €250,000

  • Full flexibility: top-ups, partial/unlimited redemptions, portfolio customization

  • Death-benefit riders (minimum floor, fixed, or percent of premiums)

  • Strong legal protections via Luxembourg's Triangle of Security and Super Privilege mechanism


Who is Cardif Lux Vie For?

These plans are ideal if you are:

  • Paying off a mortgage and want guaranteed protection

  • Looking for tax-efficient personal savings or pension solutions

  • A high-net-worth individual seeking a bespoke investment structure

  • Needing globally portable contracts to adapt to changing residency

  • Looking for ESG-oriented, sustainable investment options


🔍 Why I Find Cardif Lux Vie Compelling

  • Luxembourg safety: politically stable with strict financial and asset protection laws.

  • Asset separation & creditor priority: your funds are ring-fenced and you enjoy first-rank creditor protection.

  • International portability: policies can adapt to your new country of residence under local conditions.

  • Digital-first experience: full e-signature, online management, and withdrawals.

  • Eco-conscious perks: tree-planting tied to each policy and genuine ESG-labeled funds.


La Luxembourgeoise Assurances Insurance Plans

 

Insurance Plans Available from LALUX Assurances

LALUX is one of Luxembourg’s most trusted insurers, offering a broad range of modular and bundled insurance options. Here’s everything they offer—perfect for families, expats, and anyone wanting complete coverage.

🛡️ 1. easyLIFE – Life Insurance & Savings Plans

LALUX’s easyLIFE line includes several purpose-driven life insurance products:

  • easyLIFE Pension – Supplementary pension:

    • Two options: guaranteed capital or investment fund-based, with notable tax savings(lalux.lu).

  • easyLIFE Foresight – Pure life cover:

    • Provides financial protection for loved ones or ensures business continuity in case of death.

  • easyLIFE Education – For securing your child’s future:

    • Endowment plan with guaranteed returns.

  • easyLIFE Mixed – Blend of savings + protection with tax advantages.

  • easyLIFE Invest for Future – ESG-focused savings:

    • Offers responsible investment options with optional capital protection.

  • easyLIFE Mortgage / Solde Restant Dû – Mortgage protection:

    • Covers the outstanding loan in case of death.

  • easyLIFE Study Cover – Guaranteed savings for students, no medical checks, paid as a quarterly annuity.


🏠 2. easyPROTECT Home – Home & Liability Insurance

This is LALUX’s flagship non-life product:

  • Multi-risk home coverage – For owners or tenants, available in Sécurité, Confort, or Performance tiers.

  • Covers fire, water damage, storm, natural hazards, theft, vandalism, broken glass.

  • Modular add-ons include:

    • Personal civil liability

    • Legal protection, high-value items (e.g., jewelry, art, electronics)

    • Second-home, eco features (solar panels, pools, e‑bike cover), rehousing costs.

  • LALUX’s easyPROTECT bundle lets you combine home, car, liability, legal, accident, and travel under a single policy.


🚗 3. easyPROTECT Auto – Car & Vehicle Insurance

Also part of the bundled easyPROTECT brand, tailored to your mobility needs:

  • Three tiers: Sécurité, Confort, Performance.

  • Includes top assistance, glass breakage, storms, animal collisions, theft, fire.

  • Performance tier adds full casco coverage with zero deductible for at-fault material damage and bonus protection.

  • Offers a replacement vehicle: up to 5 days after breakdown, 15 days post-accident, 60 days after theft.

  • Extra options include driver cover, luggage protection, and eco cover for electric vehicles.


🌍 4. easyPROTECT Travel & Accident Insurance

  • easyPROTECT Accident – 24/7 accident cover:

    • Death, permanent disability, temporary incapacity, hospital costs, medical expenses.

  • Travel Pack – Annual travel coverage:

    • Trip cancellation, luggage loss/damage, rental vehicle excess, medical repatriation, 24h support.

La Luxembourgeoise Assurances Insurance Plans

🏥 5. Health & Hospitalisation Insurance

LALUX partners with DKV Luxembourg to offer:

  • Supplementary health and hospital coverage beyond the basic system.

  • Available for individuals and families, including expats.


🐴 6. Specialty & Other Covers

  • easyPROTECT Discover – Ideal for students abroad: covers accommodation, liability, electronics, and medical emergencies.

  • Horse Insurance – Full coverage for equestrian needs.

  • Construction Insurance (APROBAT) – Protects building sites up to 10 years post-completion.

  • Comprehensive Family Legal Protection – Covers legal advice, court costs, mediation.


📱 7. Digital Tools & Customer Support

  • easyAPP mobile app: manage policies, file claims, contact agents.

  • Network of ~700 multilingual agents, praised for local service.

  • Bundled contract discounts: combining policies brings money savings along with convenience.


💬 Real Voices from Users

Local forum users often recommend LALUX for:

“Their agents and staff is local only (no foreign call center)… Prices are fair.”
“LALUX are the best… I use LALUX :) not bad prices for me.”


✅ Summary Table – LALUX Insurance at a Glance

Category Product Highlight
Life & Savings easyLIFE Pension, Foresight, etc. Retirement, education, mortgage, ESG savings
Home & Liability easyPROTECT Home Modular: Sécurité/Confort/Performance + high-value covers
Auto & Mobility easyPROTECT Auto Full casco, assistance, replacement car, eco features
Accident easyPROTECT Accident 24/7 injury protection, hospital cover
Travel Travel Pack Cancellation, luggage, medical, repatriation
Health DKV Luxembourg plans Hospital, outpatient, dental, etc.
Specialty Student, Horse, Legal, Building Tailored insurance for niche needs
Digital & Service easyAPP + local agents Manage all in one place; strong local backing

🧠 My Final Take

LALUX stands out because of its bundled easyPROTECT suite, letting you group multiple policies into one contract. That level of modularity, combined with strong digital tools and local agent support, makes managing insurance simple and efficient.


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