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:
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You work with a dedicated advisor to build a tailor-made insurance policy that integrates with trusts, holding companies, or foundations.
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Solve estate planning issues like succession, key‑person protection, loan repayment, tax optimization, or business transfer.
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Invest across a wide range of assets: equities, bonds, real estate, private equity, hedge funds, commodities, even non-traditional assets.
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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:
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International recognition: Policies are accepted across different jurisdictions without losing value or protection.
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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:
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Premiums and death benefits can be adjusted over time to suit evolving needs.
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Embedded value grows tax-efficiently within the policy.
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You can access cash value via withdrawals or policy loans.
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Annuity options provide guaranteed retirement income.
🛡️ 4. Private Placement Insurance
Designed for extremely wealthy, sophisticated investors:
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Accessible only via private banks or family offices.
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Opens up exclusive alternative investments (private equity, hedge funds, etc.).
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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:
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Assets pass to beneficiaries directly, without probate.
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You maintain control during your lifetime.
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Beneficiaries are protected from creditors—ideal for complex family or business situations.
✅ Who These Plans Are Made For
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Affluent individuals managing €1 million+ in assets
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Families handling cross-border wealth and succession
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Individuals needing tailored solutions—tax planning, key person risk, philanthropic goals
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Anyone seeking global flexibility and strong legal protection
🌐 Why I Recommend Lombard International
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Deep customization: Every plan is co-created with your advisor, tailored to your exact needs.
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Global mobility: You're covered whether you move, retire, or invest abroad.
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Top-tier asset protection: All investments are custodied independently under Luxembourg’s Triangle of Security.
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Alternative asset access: Beyond stocks and bonds—even private equity, real estate, hedge strategies.
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Adjustable and future-ready: Change contributions, strategies, or payout timing as life evolves.
🔗 Visit Lombard International Assurance’s official website
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