{"id":16709,"date":"2026-11-06T15:23:14","date_gmt":"2026-11-06T14:23:14","guid":{"rendered":"https:\/\/balmontconseil.com\/?page_id=16709"},"modified":"2026-11-06T15:23:14","modified_gmt":"2026-11-06T14:23:14","slug":"lp-assurance-vie-luxembourg","status":"publish","type":"page","link":"https:\/\/balmontconseil.com\/en\/lp-assurance-vie-luxembourg\/","title":{"rendered":"Assurance-vie luxembourgeoise : conseil \u00e0 Lyon"},"content":{"rendered":"\n<style>body:has(.bms){overflow-x:clip!important}#Content>.content_wrapper>.mfn-page-title,#Subheader{display:none!important}#Content{padding-top:0!important}#Content .bms{width:100vw;max-width:100vw;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw);overflow-x:clip;background:var(--bg);color:var(--tx);font:400 18px\/1.55 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var(--ln);border-radius:24px;padding:28px;box-shadow:0 20px 50px -34px rgba(16,19,12,.35)}#Content .bms .stats .st b{display:inline;font-size:clamp(30px,3.4vw,46px);font-weight:700;letter-spacing:-.03em;line-height:1.15;background:linear-gradient(transparent 62%,rgba(200,240,32,.7) 62%)}#Content .bms .stats .st span{display:block;margin-top:14px;font-size:15.5px;color:var(--mu);line-height:1.5}@media(max-width:900px){#Content .bms .stats{grid-template-columns:1fr}#Content .bms .ph img{aspect-ratio:16\/11;border-radius:26px}#Content .bms .float{left:10px;right:10px;max-width:none;bottom:-22px}#Content .bms .hero{padding-bottom:70px}}#Content .bms .fin .ghost{color:#f5f6f1!important}#Content .bms .fin .ghost:hover{background:#f5f6f1!important;color:#10130c!important}<\/style>\n\n\n\n<div class=\"bms\"><section class=\"hero\"><div class=\"wrap hg\">\n<div class=\"hl\">\n<span class=\"chip\">Assurance-vie luxembourgeoise<\/span>\n<h1>Assurance\u2011vie luxembourgeoise : la m\u00eame fiscalit\u00e9, une protection sans plafond.<\/h1>\n<p class=\"sub\">Pour un r\u00e9sident fran\u00e7ais, le contrat luxembourgeois est impos\u00e9 comme un contrat fran\u00e7ais. Ce qui change : la protection de vos avoirs, l\u2019univers d\u2019investissement et un contrat qui vous suit si vous partez.<\/p>\n<a class=\"bigcta\" id=\"hero-cta\" href=\"https:\/\/app.balmontconseil.com\/rdv?utm_source=balmontconseil&amp;utm_medium=landing&amp;utm_campaign=lp-assurance-vie-luxembourg&amp;utm_content=hero\">Prendre rendez-vous<b><i><\/i><\/b><\/a>\n<a class=\"alt\" href=\"https:\/\/balmontconseil.com\/nos-solutions\/assurance-vie-luxembourgeoise\/\">Lire le guide de l\u2019assurance-vie luxembourgeoise<\/a>\n<ul class=\"checks\"><li>Fiscalit\u00e9 identique \u00e0 un contrat fran\u00e7ais pour un r\u00e9sident fran\u00e7ais<\/li><li>Vos avoirs s\u00e9par\u00e9s de ceux de l\u2019assureur<\/li><li>Cabinet immatricul\u00e9 \u00e0 l\u2019ORIAS sous le n\u00b0 13003497<\/li><\/ul>\n<p class=\"note\">Vous choisissez un cr\u00e9neau sur le calendrier de Balmont Conseil.<\/p>\n<\/div>\n<div class=\"ph\"><img decoding=\"async\" src=\"https:\/\/balmontconseil.com\/wp-content\/uploads\/2026\/11\/ouvrir-compte-bancaire-luxembourg-resident-francai.webp\" width=\"1600\" height=\"903\" alt=\"Vieille ville de Luxembourg ensoleill\u00e9e entour\u00e9e de collines vertes\" fetchpriority=\"high\"><div class=\"float\"><strong>M\u00eame fiscalit\u00e9 pour un r\u00e9sident fran\u00e7ais<\/strong><p>Le Luxembourg ne pr\u00e9l\u00e8ve aucun imp\u00f4t sur le contrat.<\/p><\/div><\/div>\n<\/div><\/section>\n\n\n<div class=\"band\"><div><b>ORIAS 13003497<\/b><span>Courtier en assurances<\/span><\/div><div><b>Certifi\u00e9 AMF<\/b><span>Conseiller en investissements financiers et immobiliers<\/span><\/div><div><b>Bient\u00f4t 14 ans<\/b><span>de conseil \u00e0 Lyon<\/span><\/div><div><b>23 compagnies<\/b><span>d\u2019assurance et d\u2019\u00e9pargne partenaires<\/span><\/div><\/div>\n\n<section class=\"sec\" style=\"padding-top:clamp(50px,6vw,84px)\"><div class=\"wrap\"><div class=\"hd\"><h2>Les rep\u00e8res<\/h2><\/div><div class=\"stats\"><div class=\"st\"><b>Sans plafond<\/b><span>Vos avoirs b\u00e9n\u00e9ficient d\u2019un super-privil\u00e8ge, sans limite de montant. En France, la garantie des assur\u00e9s s\u2019arr\u00eate \u00e0 70 000 \u20ac.<\/span><\/div><div class=\"st\"><b>0 \u20ac<\/b><span>d\u2019imp\u00f4t pr\u00e9lev\u00e9 par le Luxembourg : seul l\u2019\u00c9tat o\u00f9 vous r\u00e9sidez impose le contrat.<\/span><\/div><div class=\"st\"><b>250 000 \u20ac<\/b><span>de patrimoine financier ouvrent l\u2019acc\u00e8s aux fonds d\u00e9di\u00e9s et \u00e0 un univers d\u2019investissement \u00e9largi.<\/span><\/div><\/div><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Le triangle de s\u00e9curit\u00e9<\/h2><\/div><p class=\"lead\">Trois acteurs, et vos avoirs s\u00e9par\u00e9s de ceux de l\u2019assureur.<\/p><div class=\"c3\"><div class=\"pc\"><h3>Le r\u00e9gulateur<\/h3><p>Le Commissariat aux assurances agr\u00e9e l\u2019assureur et contr\u00f4le en permanence les actifs qui repr\u00e9sentent vos contrats.<\/p><\/div><div class=\"pc\"><h3>La banque d\u00e9positaire<\/h3><p>Vos avoirs sont conserv\u00e9s chez une banque d\u00e9positaire, s\u00e9par\u00e9s des fonds propres de l\u2019assureur, sous le contr\u00f4le d\u2019une convention tripartite.<\/p><\/div><div class=\"pc\"><h3>Le super-privil\u00e8ge<\/h3><p>Si l\u2019assureur faisait d\u00e9faut, les souscripteurs passeraient avant les autres cr\u00e9anciers sur les actifs de leurs contrats, sans plafond de montant.<\/p><\/div><\/div><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Pour un r\u00e9sident fran\u00e7ais, rien ne change c\u00f4t\u00e9 imp\u00f4t<\/h2><\/div><div class=\"tw\"><table><thead><tr><th><\/th><th>Contrat fran\u00e7ais<\/th><th>Contrat luxembourgeois<\/th><\/tr><\/thead><tbody><tr><td>Gains retir\u00e9s apr\u00e8s 8 ans<\/td><td>Abattement de 4 600 \u20ac \/ 9 200 \u20ac, puis 7,5 % ou 12,8 %<\/td><td>Identique<\/td><\/tr><tr><td>Pr\u00e9l\u00e8vements sociaux<\/td><td>17,2 %<\/td><td>17,2 %<\/td><\/tr><tr><td>Transmission, versements avant 70 ans<\/td><td>152 500 \u20ac par b\u00e9n\u00e9ficiaire<\/td><td>Identique<\/td><\/tr><tr><td>Protection des avoirs<\/td><td>70 000 \u20ac par assur\u00e9 et par assureur<\/td><td>Super-privil\u00e8ge, sans plafond<\/td><\/tr><tr><td>D\u00e9part \u00e0 l\u2019\u00e9tranger<\/td><td>Selon l\u2019assureur et le pays<\/td><td>Le contrat vous suit<\/td><\/tr><\/tbody><\/table><\/div><p class=\"tnote\">Articles 125-0 A, 990 I et 757 B du CGI. Un contrat souscrit \u00e0 l\u2019\u00e9tranger se d\u00e9clare chaque ann\u00e9e avec la d\u00e9claration de revenus (formulaire 3916-bis).<\/p><\/div><\/section>\n<section class=\"sec\" style=\"padding-top:clamp(40px,5vw,70px)\"><div class=\"wrap\"><div class=\"mid\"><a class=\"bigcta\" href=\"https:\/\/app.balmontconseil.com\/rdv?utm_source=balmontconseil&amp;utm_medium=landing&amp;utm_campaign=lp-assurance-vie-luxembourg&amp;utm_content=milieu\">Prendre rendez-vous<b><i><\/i><\/b><\/a><\/div><p class=\"small\">Un contrat luxembourgeois n\u2019est pas fait pour tout le monde : on regarde d\u2019abord si c\u2019est votre cas.<\/p><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Pour qui<\/h2><\/div><p class=\"lead\">Trois situations o\u00f9 il fait la diff\u00e9rence.<\/p><div class=\"c3\"><div class=\"pc\"><h3>Un patrimoine financier important<\/h3><p>Au-del\u00e0 de 250 000 \u20ac de patrimoine financier, la protection sans plafond et l\u2019acc\u00e8s aux fonds d\u00e9di\u00e9s prennent tout leur sens.<\/p><\/div><div class=\"pc\"><h3>Une vie entre plusieurs pays<\/h3><p>Expatri\u00e9s, futurs expatri\u00e9s, familles dont les enfants vivent \u00e0 l\u2019\u00e9tranger : le contrat s\u2019adapte \u00e0 la fiscalit\u00e9 du pays de r\u00e9sidence, sans avoir \u00e0 le fermer.<\/p><\/div><div class=\"pc\"><h3>Plusieurs devises<\/h3><p>Le contrat peut \u00eatre libell\u00e9 et investi en plusieurs devises, utile pour des revenus ou des projets hors zone euro.<\/p><\/div><\/div><div class=\"risk\"><strong>Les limites.<\/strong> Le triangle de s\u00e9curit\u00e9 prot\u00e8ge votre place de souscripteur dans une liquidation, pas la valeur des supports. La valeur d\u2019un contrat en unit\u00e9s de compte d\u00e9pend de ses investissements et peut baisser. Le fonds de garantie fran\u00e7ais ne s\u2019applique pas. La protection tient \u00e0 trois choix : l\u2019assureur, les supports, le conseil.<\/div><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Vos questions<\/h2><\/div><div class=\"faq\"><details open><summary>Un contrat luxembourgeois est-il impos\u00e9 au Luxembourg ?<\/summary><p>Non pour un r\u00e9sident fran\u00e7ais : le Luxembourg ne pr\u00e9l\u00e8ve pas d\u2019imp\u00f4t sur le contrat, et c\u2019est l\u2019\u00c9tat de r\u00e9sidence qui impose, selon ses propres r\u00e8gles. Pour vous, la fiscalit\u00e9 est celle du contrat fran\u00e7ais.<\/p><\/details><details><summary>Faut-il d\u00e9clarer le contrat ?<\/summary><p>Oui. Un contrat souscrit \u00e0 l\u2019\u00e9tranger se d\u00e9clare chaque ann\u00e9e avec la d\u00e9claration de revenus, avec le formulaire 3916-bis.<\/p><\/details><details><summary>\u00c0 partir de quel montant est-ce pertinent ?<\/summary><p>Les fonds d\u00e9di\u00e9s et l\u2019univers \u00e9largi concernent surtout les patrimoines financiers \u00e0 partir de 250 000 \u20ac. En dessous, la comparaison avec un contrat fran\u00e7ais se fait au cas par cas.<\/p><\/details><details><summary>Que se passe-t-il si l\u2019assureur est en difficult\u00e9 ?<\/summary><p>Les actifs de vos contrats sont s\u00e9par\u00e9s de ceux de l\u2019assureur et vous passez avant les autres cr\u00e9anciers. La valeur des supports, elle, n\u2019est pas garantie.<\/p><\/details><\/div><\/div><\/section>\n<section class=\"sec\"><div class=\"wrap\"><div class=\"hd\"><h2>Pour aller plus loin<\/h2><\/div><div class=\"links\"><a href=\"https:\/\/balmontconseil.com\/nos-solutions\/assurance-vie-luxembourgeoise\/\"><strong>Guide assurance-vie luxembourgeoise<\/strong><span>Triangle de s\u00e9curit\u00e9, contrats, frais : le dossier complet.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/assurance-vie-luxembourgeoise-protection-de-l-epargne-loi\/\"><strong>Protection de l\u2019\u00e9pargne<\/strong><span>Ce que dit la loi luxembourgeoise.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/banque-depositaire-contrat-assurance-vie-luxembourgeois\/\"><strong>La banque d\u00e9positaire<\/strong><span>Son r\u00f4le dans la protection de vos avoirs.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/montant-minimal-fonds-dedie-assurance-vie-luxembourg\/\"><strong>Fonds d\u00e9di\u00e9 : montants et conditions<\/strong><span>Montant minimal et fonctionnement.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/declarer-un-contrat-d-assurance-vie-ouvert-a-l-etranger\/\"><strong>D\u00e9clarer un contrat \u00e0 l\u2019\u00e9tranger<\/strong><span>Les informations \u00e0 r\u00e9unir pour le formulaire 3916-bis.<\/span><em>Lire \u2192<\/em><\/a><a href=\"https:\/\/balmontconseil.com\/ressources\/simulateur-assurance-vie-luxembourgeoise\/\"><strong>Simulateur assurance-vie luxembourgeoise<\/strong><span>Comparer \u00e0 votre situation.<\/span><em>Lire \u2192<\/em><\/a><\/div><\/div><\/section>\n<section class=\"fin\"><img decoding=\"async\" src=\"https:\/\/balmontconseil.com\/wp-content\/uploads\/2026\/10\/alexis-sagnier-fondateur-balmont-conseil.webp\" width=\"900\" height=\"1200\" alt=\"Alexis Sagnier, fondateur de Balmont Conseil\"><div><h2>Un patrimoine \u00e0 prot\u00e9ger ? Parlons-en.<\/h2><p>Alexis Sagnier, conseiller en investissements financiers et immobiliers, courtier en assurances, certifi\u00e9 AMF. Il r\u00e9pond du lundi au samedi, sauf le mercredi.<\/p><\/div><div><a class=\"bigcta\" href=\"https:\/\/app.balmontconseil.com\/rdv?utm_source=balmontconseil&amp;utm_medium=landing&amp;utm_campaign=lp-assurance-vie-luxembourg&amp;utm_content=final\">Prendre rendez-vous<b><i><\/i><\/b><\/a><a class=\"ghost\" href=\"https:\/\/balmontconseil.com\/nos-solutions\/assurance-vie-luxembourgeoise\/\">Lire le guide complet<\/a><\/div><\/section>\n<p class=\"foot\">Informations g\u00e9n\u00e9rales, qui ne remplacent pas une \u00e9tude personnalis\u00e9e : les r\u00e8gles fiscales \u00e9voluent, v\u00e9rifiez-les \u00e0 la date de votre op\u00e9ration.<br>Balmont Conseil SASU \u00b7 80 rue Docteur Edmond Locard, B\u00e2timent C2, 69005 Lyon \u00b7 ORIAS 13003497<\/p>\n<div class=\"stk\" id=\"stk\"><a class=\"bigcta\" href=\"https:\/\/app.balmontconseil.com\/rdv?utm_source=balmontconseil&amp;utm_medium=landing&amp;utm_campaign=lp-assurance-vie-luxembourg&amp;utm_content=mobile-sticky\">Prendre rendez-vous<b><i><\/i><\/b><\/a><\/div>\n<script>(function(){var s=document.getElementById('stk'),h=document.getElementById('hero-cta');if(!s||!h)return;function f(){s.classList.toggle('on',h.getBoundingClientRect().bottom<0)}addEventListener('scroll',f,{passive:true});f()})();<\/script>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Assurance-vie luxembourgeoise Assurance\u2011vie luxembourgeoise : la m\u00eame fiscalit\u00e9, une protection sans plafond. Pour un r\u00e9sident fran\u00e7ais, le contrat luxembourgeois est impos\u00e9 comme un contrat fran\u00e7ais. Ce qui change : la protection de<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"mfn-post-hide-title":"","footnotes":""},"class_list":["post-16709","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/16709","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/comments?post=16709"}],"version-history":[{"count":1,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/16709\/revisions"}],"predecessor-version":[{"id":16720,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/16709\/revisions\/16720"}],"wp:attachment":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/media?parent=16709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}