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:
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Guaranteed-capital (euro) Funds – A stable option where your investment is protected through euro-denominated funds with steady returns.
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Unit‑Linked Funds – Choose between balanced, dynamic, or equity-focused portfolios. These allow customization of risk and potential growth.
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Hybrid Structures – Combination of guaranteed funds with unit-linked elements for a balanced approach.
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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:
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Supplementary Pension Contracts – Designed to top up state or employer pension provisions.
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Payout Options – Upon retirement, you can select a lump sum, lifelong annuity, or a combination of both.
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Tax-Advantage Potential – Contributions may benefit from Luxembourg’s tax-efficient treatment, depending on your situation.
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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:
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Protects outstanding balance if death or total permanent disability occurs.
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Licensed for mortgages – Ensures your home loan is paid off, preventing financial burden on loved ones.
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Term matched to the loan duration.
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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:
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Term Insurance – Covers a predetermined amount if you pass away during the policy period.
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Whole Life Option – Guarantees lifelong coverage with a death benefit.
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Disability Riders – Optional add-ons for total permanent disability or critical illness.
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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.
🌍 5. Wealth Structuring & Estate Planning Tools
Advanced plans for managing and transferring wealth efficiently:
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Customisable Contracts – Ideal for high-net-worth individuals looking to align life insurance with trusts, foundations, or estate planning.
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Multi-jurisdictional Portability – Contracts remain valid even if you move abroad.
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Asset Protection – Luxembourg’s safeguarding mechanisms ensure your funds are ring-fenced.
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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
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Luxembourg legal security – assets secured in a separate structure with priority protection
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Investment flexibility – switch strategies as needed
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Death benefits and designated beneficiaries – clear estate planning tools
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Partial redemptions and premium top-ups – access your funds or increase investment
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Tax-efficiency – applies to savings, retirement and mortgage-linked contracts
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International portability – ideal for expats and globally mobile clients
✅ Who These Plans Are Ideal For
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Individuals saving systematically for retirement or long-term goals
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Homebuyers seeking mortgage repayment security
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Families planning personal protection with investment components
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HNW or UHNW individuals structuring cross-border wealth transfers
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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.
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