Are you going to Luxembourg?
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 Luxembourg | 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; partial exemption possible (€150,000 capital gain, subject to conditions) | Sell before — on the calendar |
| Holding | exit tax, automatic deferral (EU) | Executive's cockpit, with your chartered accountant |
| Dividends from your holding company | Withholding tax limited to 15 % (0 % for a company holding ≥ 5 % for 365 days) (art. 10 § 2) | Distribute before, or after — according to the schedule |
| Succession | No "inheritance" agreement: Article 750 ter applies alone | The inheritance workshop, with your notary |
Who will accept you, and what does it cost?
In Luxembourg, 8 Luxembourg insurers from our grid accept you, in writing.
- Allianz Life Luxembourg
- CNP Luxembourg
- Utmost Luxembourg (formerly Lombard International Assurance)
- La Mondiale Europartner
- BPCE Life (formerly Natixis Life)
- Wealins
- AXA Wealth Europe (via AXA Thema)
- 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 Luxembourg: 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 Luxembourg
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.
