Are you going to London?
What's blocking, what's following, what's costing - based on your contracts, not on a typical case.
Online insurers stop at the border: Nalo only accepts a list of countries, Fortuneo requires a French tax address, and Linxea's PER (retirement savings plan) refuses non-residents. A Luxembourg contract follows you—and what you pay is clearly stated.
| What you have | In the United Kingdom | What we do |
|---|---|---|
| French assurance-vie | 12.8 % at redemption (7.5 % after eight years), without the €4,600 discount | Keep, or switch — encrypted |
| PER | Payments often refused to non-residents; deduction irrelevant without taxable income in France | Luxembourg contract — accepted country according to the insurer's written list |
| Primary residence | exemption lost after departure | Sell before — on the calendar |
| Holding | Exit tax; deferral upon request, with guarantees — except for assistance agreements — to be confirmed | Executive's cockpit, with your chartered accountant |
| Dividends from your holding company | Withholding tax limited to 15 % (art. 11 § 1) | Distribute before, or after — according to the schedule |
| Retirement (private pensions) | imposed in the United Kingdom (Art. 18) | The retirement point of the file |
Who will accept you, and what does it cost?
In the UK, 3 Luxembourg insurers from our grid accept you, in writing.
- Utmost Luxembourg (formerly Lombard International Assurance)
- Wealins
- Baloise Life Luxembourg
Fees for these contracts: 0.6 to 1.0 per year at standard rates, depending on the investment options — compared to the fees shown on your statement: the comparison tool shows them side-by-side, over 10 and 20 years. None of the PERs in our table accept residents of the United Kingdom: we will not offer them to you.
Read from each insurer's written list, contract by contract — updated with each review of the grid.
Firm fees: €500 including VAT per hour. Countries accepted by our insurers: written list, contract by contract.
In thirty seconds, without counting
What's happening if you go to London
Why a firm in Lyon rather than a network?
You keep your notary and your accountant: they work on your case, with a deadline. You know exactly what you're paying. You leave with proof of the advice you received. Three things no network will ever offer you.
