The “Insurance Wrapper”, an effective solution to protect my financial assets.*Roger |
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The “Insurance Wrapper”…
Imagine an investment portfolio made up investment funds, securities, shares, bonds, listed and non-listed investments. It is held by a custodian, managed by a fund manager, owned by an insurance company, often with independent financial advisors with the involvement of a bank or asset managers.
The principle of the Insurance Wrapper is to protect your investments within a legal framework. Generally in Europe, the most advantageous way of doing this, is by taking out a single premium capital life insurance policy.
Luxembourg’s expertise in life insurance and asset management
- A life insurance contract can be in any major currency (Euro, USD, Pound Sterling, Swiss Franc, Yen…) and can also comprise several sub-accounts in different currencies.
- On account of the open architecture of the policies, the policyholder can access all their investment funds with an ISIN (International Securities Identification) number.
- There is access to guaranteed Euro funds.
- Policy bonuses can be paid in cash or as a transfer of securities.
- The subscriptions can be broken up.There is total freedom to nominate the beneficiaries of your choice, for the proportions you choose, in the case of first and second death.
- Finally, for subscriptions higher than €2.5M it is possible to create dedicated funds. The dedicated funds can invest in all forms of investment vehicles, listed or non-listed, shares of SCIs (civil companies set up for property investments), holding companies, family holdings or family partnerships.
An international legal framework
For non-resident subscribers, Luxembourg is tax neutral. In most European countries, the life insurance legal framework has numerous tax advantages for inheritance taxes, income and capital gains. However, life insurance legislation is not harmonised between countries (see country specific sheets). The offshore bond offered by the luxembourg is a portable investment which is compliant in many jurisdcitions.
Download our brochures: general information on the Insurance Wrapper,
or the Insurance Wrapper in France / United Kingdom / Germany / Spain / Italy.
| The Insurance Wrapper offered by Luxembourg is one of the most powerful means currently available on the market to optimise the assets of our clients. The protection of our clients’ assets is strengthened. Taxation and estate planning are optimised. Finally, Luxembourg’s financial expertise is tried and tested. |
For more information, please do not hesitate to contact Christophe Maulny, Wealth Manager, marketing@antco.com
Attention: providing a general overview could result in an over-simplification of this subject. Therefore, it is essential to consult a certified professional.
NB: This page is for information purposes only and does not constitute a sale or a firm loan offer or financial investment advice. Information can be changed without prior warning. Before investing in one of the products herein, you should ensure that you are not in contravention of any tax or legal ruling, as well as any exchange control which you could be subject to in your country to residence. Some services and products are subject to legal restrictions and consequently are not accessible to residents of some countries. We have taken all necessary precautions to ensure that the information contained in these documents is correct. Anthony & Cie, its employees or representatives cannot be held responsible, directly or indirectly, as to the exactness or completeness of the information contained in this document. The value of investments can go up as well as down and the capital invested may not be secure. Past performance is not a guarantee of future performance. © 2011 • Anthony & Cie • Photo: Joel Calheiros – Fotolia.com
| Read our article published in the press: |
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| Gestion de Fortune # 215 April 2011 |
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| Anthony & Cie can carry out a free audit of your assets based on the following: • An audit of your portfolio including an analysis of your situation, a look at the return in relation to the risk, and a recommendation to reorient the initial investment strategy, if necessary. • An audit of the costs related to keeping a portfolio – in complete transparency. For more information, please do not hesitate to contact us on +33 (0)4 93 65 32 23 or by filling in your contact details. |