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

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🧾 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

🌍 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.

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✅ 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.

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