{"id":1780,"date":"2026-05-07T17:10:18","date_gmt":"2026-05-07T15:10:18","guid":{"rendered":"https:\/\/balmontconseil.com\/?p=1780"},"modified":"2026-08-28T09:50:40","modified_gmt":"2026-08-28T07:50:40","slug":"assurance-vie-luxembourgeoise-avantages-expatries","status":"publish","type":"post","link":"https:\/\/balmontconseil.com\/en\/blog\/assurance-vie-luxembourgeoise-avantages-expatries\/","title":{"rendered":"Luxembourg assurance-vie: advantages for expatriates"},"content":{"rendered":"<p><\/p>\n<hr \/>\n<blockquote>\n<p><strong>TL;DR:<\/strong><\/p>\n<ul>\n<li>Luxembourg assurance-vie offers international protection, neutral taxation and portability.<\/li>\n<li>It is particularly suitable for expatriates to secure and pass on their assets without border restrictions.<\/li>\n<li>Subscribing requires professional guidance to optimize management and anticipate tax implications.<\/li>\n<\/ul>\n<\/blockquote>\n<hr \/>\n<p>Many expatriates and wealthy families still believe that Luxembourg assurance-vie is reserved for a select few. This misconception needs to be corrected. This type of contract is now one of the most powerful tools for securing and transferring assets internationally, precisely because it was designed to adapt to the mobility and complexity of cross-border situations.<\/p>\n<p>Its tax neutrality, portability, and exceptional protection for policyholders make it a truly unique solution. This article guides you through its operation, its concrete advantages, its comparison with French assurance-vie, and the steps to get the most out of it regardless of your country of residence.<\/p>\n<h2 id=\"points-cles\" tabindex=\"-1\">Key Points<\/h2>\n<table>\n<thead>\n<tr>\n<th>Point<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Tax neutrality<\/td>\n<td>Your Luxembourg contract is adjusted to your country of residence, without additional Luxembourg taxation.<\/td>\n<\/tr>\n<tr>\n<td>International portability<\/td>\n<td>Luxembourg assurance-vie follows you everywhere without the obligation to close it if you change countries.<\/td>\n<\/tr>\n<tr>\n<td>Protection and personalization<\/td>\n<td>It guarantees a high level of banking security and tailor-made adaptation for mobile assets.<\/td>\n<\/tr>\n<tr>\n<td>Clear comparison<\/td>\n<td>Luxembourg offers flexibility and security often unmatched by the French model for expatriates.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"definition-et-fonctionnement-de-lassurance-vie-luxembourgeoise\" tabindex=\"-1\">Definition and operation of Luxembourg assurance-vie<\/h2>\n<p>Luxembourg assurance-vie is a savings and inheritance contract governed by the regulations of the Grand Duchy of Luxembourg. Like any assurance-vie contract, it involves three main parties: the policyholder (you), the insurer established in Luxembourg, and the beneficiaries you freely designate. But the similarities with a traditional contract often end there.<\/p>\n<p>What fundamentally distinguishes this type of contract is the Luxembourg regulatory framework, recognized as one of the most protective in Europe. Luxembourg enjoys an AAA rating from the major rating agencies, reflecting the stability and soundness of its financial system. <a href=\"https:\/\/balmontconseil.com\/en\/nos-solutions\/assurance-vie-luxembourgeoise\/\">Luxembourg contracts<\/a> are overseen by the Insurance Commission, the local supervisory authority, which constantly monitors the solvency of insurers.<\/p>\n<p>The central mechanism that secures subscribers&#039; assets is based on what is called the <strong>Luxembourg safety triangle<\/strong>.<\/p>\n<blockquote>\n<p><strong>Pro tip:<\/strong> The Luxembourg &quot;triangle of security&quot; is the mechanism that physically separates clients&#039; assets from the insurance company&#039;s own assets. Funds are deposited with an authorized custodian bank, separate from the insurer, under the supervision of the Insurance Commission. In the event of the insurer&#039;s bankruptcy, policyholders&#039; assets cannot be seized by creditors. This protection does not exist in most other European countries.<\/p>\n<\/blockquote>\n<p>In concrete terms, here&#039;s how the contractual process works:<\/p>\n<ul>\n<li><strong>The subscriber<\/strong> pays premiums (initial and\/or periodic payments) into the contract, according to its wealth management objectives.<\/li>\n<li><strong>The insurer<\/strong> manages the funds in the chosen vehicles (internal funds, external funds, unit-linked funds, dedicated assets).<\/li>\n<li><strong>The beneficiaries<\/strong> receive the capital accumulated at the time of termination of the contract, under the tax conditions of their country of residence.<\/li>\n<\/ul>\n<p>One of the major, often underestimated, advantages is the <strong>Luxembourg fiscal neutrality<\/strong>. As the applicable regulations emphasize, the <a href=\"https:\/\/prosa.fr\/avantages-assurance-vie-luxembourgeoise-expatries\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">taxation according to residence<\/a> The policyholder&#039;s tax regime applies, without any additional Luxembourg tax. In other words, Luxembourg does not levy any tax on the income generated within the contract. The policyholder&#039;s country of residence determines the applicable tax regime.<\/p>\n<p>This architecture is particularly well suited to expatriate profiles who are looking for a long-term solution for their <a href=\"https:\/\/balmontconseil.com\/en\/blog\/category\/moments-de-vie\/\">use for expatriates<\/a> over the years and across borders. A senior executive based in Dubai, then in Singapore, then back in France, can keep the same contract throughout their international career, without ever having to close it or rebuild everything.<\/p>\n<p>The Luxembourg contract also offers a wide range of investment vehicles, some of which are reserved for the wealthiest individuals: collective internal funds (FIC), dedicated internal funds (FID), and specialized insurance funds (FAS) that allow for the integration of unlisted assets, private equity, or alternative strategies. This management flexibility is a real asset and a powerful tool for high-net-worth families.<\/p>\n<h2 id=\"les-avantages-cles-pour-les-expatries-et-familles-internationales\" tabindex=\"-1\">The advantages of Luxembourg assurance-vie for expatriates and international families<\/h2>\n<p>Let us now turn to the concrete benefits that make Luxembourg assurance-vie a benchmark tool for expatriates and international families.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/csuxjmfbwmkxiegfpljm.supabase.co\/storage\/v1\/object\/public\/blog-images\/organization-21227\/1776596549610_Expatriate-couple-reviewing-insurance-documents-together.jpeg\" alt=\"Un couple d\u2019expatri\u00e9s prend le temps d\u2019examiner ensemble leurs contrats d\u2019assurance.\" \/><\/p>\n<p>The first advantage, and often the most decisive, is the <strong>tax neutrality<\/strong>. In accordance with Luxembourg regulations, taxation based on the policyholder&#039;s residence applies at all times during the life of the contract. This means that if you reside in the United Arab Emirates, you benefit from the local tax regime (often very favorable), including for gains generated within your Luxembourg contract. If you then move to Switzerland, the Swiss tax regime will automatically apply, without any intervention or modification to the contract.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/csuxjmfbwmkxiegfpljm.supabase.co\/storage\/v1\/object\/public\/blog-images\/organization-21227\/1776597632231_Infographie-des-avantages-assurance-vie-luxembourgeoise.jpeg\" alt=\"Les atouts de l\u2019assurance vie au Luxembourg en un coup d\u2019\u0153il\" \/><\/p>\n<p>The second major advantage is the <strong>international portability<\/strong>. A French assurance-vie contract is often unsuitable as soon as you leave the country: insurers may impose restrictions, certain investment units become inaccessible, and tax management becomes considerably more complicated. The Luxembourg structure is specifically designed to cross borders seamlessly. No forced closure, no early termination penalty, no resetting of tax seniority. For the <a href=\"https:\/\/balmontconseil.com\/en\/expatries-mobilite-internationale\/\">international wealth management<\/a>, That&#039;s a fundamental difference.<\/p>\n<p>Third advantage: the <strong>superior asset security<\/strong>. Thanks to the security triangle mentioned earlier, policyholders benefit from first-ranking creditor status in the event of insurer default. This protection far exceeds what France offers (the Personal Insurance Guarantee Fund only covers \u20ac70,000 per policyholder).<\/p>\n<blockquote>\n<p>\u201cInternational mobility should never be an obstacle to building wealth. A good Luxembourg contract supports the policyholder at every stage of their life, without interruption.\u201d<\/p>\n<\/blockquote>\n<p>Fourth benefit: the\u2019<strong>adaptability for family transmission<\/strong>. Mobile families can designate beneficiaries in different countries, with varying allocations depending on family circumstances and applicable tax treaties. This granularity is invaluable for avoiding excessive inheritance taxes or conflicts of law between states.<\/p>\n<p><strong>Pro tip:<\/strong> If you are going to live in several countries successively, plan for split or graduated beneficiary clauses, adapted to each local legal context. For the <a href=\"https:\/\/balmontconseil.com\/en\/ressources\/faq-de-lexpatrie\/\">tax questions for non-residents<\/a>, A regular review of beneficiary clauses is essential with each change of residence.<\/p>\n<p>Finally, Luxembourg assurance-vie offers a <strong>wide variety of investment vehicles<\/strong> Euro funds, unit-linked funds, dedicated tailor-made funds, unlisted assets. This management freedom allows you to align the contract with your actual risk profile and long-term objectives, going far beyond the standardized offerings on the French market.<\/p>\n<h2 id=\"comparaison-assurance-vie-luxembourgeoise-vs-assurance-vie-francaise\" tabindex=\"-1\">Comparison: Luxembourg assurance-vie vs. French assurance-vie<\/h2>\n<p>To help guide your decision, here is a structured comparison between the two types of contracts:<\/p>\n<table>\n<thead>\n<tr>\n<th>Criteria<\/th>\n<th>Luxembourg assurance-vie<\/th>\n<th>French assurance-vie<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Tax neutrality<\/td>\n<td>Yes, taxation depends on residence<\/td>\n<td>No, French taxation applies<\/td>\n<\/tr>\n<tr>\n<td>International portability<\/td>\n<td>Total, without a fence<\/td>\n<td>Limited, risks in case of expatriation<\/td>\n<\/tr>\n<tr>\n<td>Asset protection<\/td>\n<td>Security Triangle, first-ranking creditor<\/td>\n<td>FGAP: \u20ac70,000 per subscriber<\/td>\n<\/tr>\n<tr>\n<td>Available media<\/td>\n<td>Large (including unlisted assets, FID, FAS)<\/td>\n<td>More limited (standard CPU)<\/td>\n<\/tr>\n<tr>\n<td>Access for non-residents<\/td>\n<td>Yes, under certain conditions<\/td>\n<td>Restricted or impossible<\/td>\n<\/tr>\n<tr>\n<td>International transmission<\/td>\n<td>Flexible, multi-country<\/td>\n<td>Subject to French regulations<\/td>\n<\/tr>\n<tr>\n<td>Typical entry threshold<\/td>\n<td>From \u20ac100,000 to \u20ac250,000<\/td>\n<td>Often starting from \u20ac1,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This difference in entry thresholds should not discourage you: for assets of international scope, the quality-protection ratio is unparalleled. <a href=\"https:\/\/balmontconseil.com\/en\/nos-solutions\/assurance-vie-francaise\/\">French contract<\/a> remains relevant in a purely French context, but it quickly shows its limitations as soon as a situation of expatriation or international mobility takes place.<\/p>\n<p>Let&#039;s take a concrete example. A French executive who moves to Hong Kong for five years and holds a French assurance-vie policy risks being denied access to certain funds, losing tax advantages related to seniority, and facing increasing administrative complexity. With a Luxembourg policy, none of these problems arise. Taxation based on residency applies automatically, and the policy continues to operate normally.<\/p>\n<p>Regarding the <a href=\"https:\/\/balmontconseil.com\/en\/blog\/scpi-de-rendement-hors-de-france-et-europeennes-eliminer-les-prelevements-sociaux\/\">investments outside of France<\/a>, Luxembourg assurance-vie also allows the integration of indirect real estate assets or European funds which escape French social security contributions in certain configurations, which represents a significant additional gain.<\/p>\n<p>Key points to remember to guide your choice:<\/p>\n<ul>\n<li>If you live or plan to live outside of France in the medium or long term: opt for the Luxembourg contract.<\/li>\n<li>If your financial assets exceed 200,000 to 300,000 euros: the protection of the security triangle alone justifies the approach.<\/li>\n<li>You have beneficiaries in several countries: Luxembourg&#039;s flexibility is essential.<\/li>\n<li>Your horizon is purely French and stable: a well-structured French contract may suffice.<\/li>\n<\/ul>\n<h2 id=\"comment-souscrire-et-adapter-son-contrat-selon-son-parcours-international\" tabindex=\"-1\">How to subscribe to and adapt your contract according to your international career<\/h2>\n<p>Taking out a Luxembourg assurance-vie policy follows a rigorous but accessible process when you have the right guidance. Here are the key steps:<\/p>\n<ol>\n<li><strong>Preliminary asset assessment<\/strong> Before subscribing, it is essential to assess your overall situation (tax residence, inheritance objectives, risk profile, investment horizon). This is the basis on which the contract will be built.<\/li>\n<li><strong>Selection of the Luxembourg insurer<\/strong> Not all insurers offer the same range of funds or the same access conditions. The choice depends on your profile, your assets, and your objectives.<\/li>\n<li><strong>Subscription file preparation<\/strong> Required documents: identity documents, proof of tax residence, asset declaration, FATCA\/CRS document (automatic exchange of tax information). The average application processing time is 3 to 6 weeks depending on the complexity of the application.<\/li>\n<li><strong>Contract funding<\/strong> : initial payment (generally a minimum of 100,000 euros), then additional voluntary or scheduled payments.<\/li>\n<li><strong>Monitoring and adaptation<\/strong> : annual review recommended, especially with each change of tax residence.<\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th>Required document<\/th>\n<th>Preparation time<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Valid ID<\/td>\n<td>Immediate<\/td>\n<\/tr>\n<tr>\n<td>Proof of tax residence<\/td>\n<td>1 to 2 weeks<\/td>\n<\/tr>\n<tr>\n<td>Detailed asset inventory<\/td>\n<td>1 to 3 weeks<\/td>\n<\/tr>\n<tr>\n<td>Completed FATCA\/CRS form<\/td>\n<td>1 week<\/td>\n<\/tr>\n<tr>\n<td>Investor Profile Questionnaire<\/td>\n<td>1 week<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>International portability is one of the system&#039;s major strengths: in the event of a job transfer or relocation, no account closure is necessary. Simply notify your insurer of your new tax residence, and the applicable tax regime will adjust accordingly.<\/p>\n<p><strong>Pro tip:<\/strong> Don&#039;t wait until you leave the country to subscribe. Opening the contract while you are still a French tax resident can, in some cases, allow you to benefit from advantageous tax advantages from the moment you leave. Find out more about the <a href=\"https:\/\/balmontconseil.com\/en\/expatries-mobilite-internationale\/destinations\/luxembourg\/\">wealth in Luxembourg<\/a> well before your expatriation so as not to miss this window of opportunity.<\/p>\n<p>If you are returning to France or changing your country of residence, remember to also anticipate the local tax implications. For those who wish <a href=\"https:\/\/balmontconseil.com\/en\/expatries-mobilite-internationale\/destinations\/investir-en-france-etranger\/\">investing from abroad<\/a> While maintaining their Luxembourg contract, coordination between the wealth advisor and a local tax specialist is often necessary to optimize the overall situation.<\/p>\n<p>The guidance of a wealth management advisor specializing in international issues is crucial here. They will help you choose the right insurer, structure beneficiary clauses, and anticipate changes in your personal and tax situation.<\/p>\n<h2 id=\"ce-que-les-guides-classiques-oublient-sur-lassurance-vie-luxembourgeoise\" tabindex=\"-1\">What traditional guides forget about Luxembourg assurance-vie<\/h2>\n<p>It&#039;s tempting to present Luxembourg assurance-vie as a universal and flawless solution. This would be inaccurate. The reality is that this contract only delivers on its promises in the hands of a well-advised investor and a rigorous practitioner.<\/p>\n<p>The first, often overlooked, reality is that international portability exists on paper, but it requires active management. An undeclared change of tax residence to the insurer, poorly drafted beneficiary clauses, or a lack of understanding of applicable tax treaties can transform a theoretical advantage into a real trap upon termination of the policy or inheritance.<\/p>\n<p>A second, rarely mentioned point: the real wealth-building advantage lies not in the contract alone, but in its combination with other tools. For wealthy families, combining Luxembourg assurance-vie with a <a href=\"https:\/\/balmontconseil.com\/en\/ingenierie-patrimoniale\/holding-patrimoniale\/\">asset holding company<\/a>, to suitable real estate structures, or to a gift strategy can multiply overall efficiency.<\/p>\n<p>Finally, too many expatriates underestimate the tax implications of returning to France based in Luxembourg. The contract remains valid, but its tax treatment can be surprising if the transition hasn&#039;t been planned in advance. Avoid unpleasant surprises: anticipate each step of your international journey with an advisor who is thoroughly familiar with these mechanisms.<\/p>\n<h2 id=\"accompagnement-personnalise-pour-une-strategie-patrimoniale-internationale\" tabindex=\"-1\">Personalized support for an international wealth management strategy<\/h2>\n<p>Do you want to go further and implement a tailor-made strategy? Balmont Conseil supports expatriates, executives and wealthy families at every stage of their international wealth management journey.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/csuxjmfbwmkxiegfpljm.supabase.co\/storage\/v1\/object\/public\/blog-images\/organization-21227\/1773675020033_balmontconseil.jpg\" alt=\"https:\/\/balmontconseil.com\" \/><\/p>\n<p>Our expertise in <a href=\"https:\/\/balmontconseil.com\/en\/ingenierie-patrimoniale\/\">wealth engineering<\/a> Our services cover the structuring of Luxembourg contracts, tax optimization in a cross-border context, and coordination with leading European insurance companies. Thanks to an open architecture and complete objectivity, we select the solutions best suited to your profile, with full banking transparency. Our approach to <a href=\"https:\/\/balmontconseil.com\/en\/gestion-de-patrimoine\/\">wealth management<\/a> It incorporates artificial intelligence to refine each recommendation. Whether you are already an expat or preparing to leave, our teams have precise knowledge of the specifics of each situation. <a href=\"https:\/\/balmontconseil.com\/en\/expatries-mobilite-internationale\/destinations\/\">international wealth<\/a>. Contact us for a personalized and confidential wealth assessment.<\/p>\n<h2 id=\"questions-frequentes-sur-lassurance-vie-luxembourgeoise\" tabindex=\"-1\">Frequently asked questions about Luxembourg assurance-vie<\/h2>\n<h3 id=\"en-quoi-lassurance-vie-luxembourgeoise-differe-t-elle-de-la-francaise-pour-un-expatrie\" tabindex=\"-1\">How does Luxembourg assurance-vie differ from French assurance-vie for an expatriate?<\/h3>\n<p>It offers total tax neutrality and international portability without closure, as well as enhanced asset protection thanks to the Luxembourg security triangle, advantages absent in most French contracts.<\/p>\n<h3 id=\"quels-sont-les-prerequis-pour-souscrire-une-assurance-vie-au-luxembourg\" tabindex=\"-1\">What are the prerequisites for taking out assurance-vie in Luxembourg?<\/h3>\n<p>It is generally necessary to have significant financial assets (from 100,000 to 250,000 euros depending on the insurers) and to have an international wealth or inheritance objective, with the support of a specialist advisor to properly structure the case.<\/p>\n<h3 id=\"lassurance-vie-luxembourgeoise-est-elle-vraiment-flexible-pour-ceux-qui-demenagent-souvent\" tabindex=\"-1\">Is Luxembourg assurance-vie really flexible for those who move frequently?<\/h3>\n<p>Yes, its portability without closure is one of its main advantages: the contract follows the subscriber in each country of residence, with a tax regime that automatically adapts to the new situation.<\/p>\n<h3 id=\"quels-types-dactifs-peut-on-loger-dans-un-contrat-luxembourgeois\" tabindex=\"-1\">What types of assets can be held in a Luxembourg contract?<\/h3>\n<p>Luxembourg contracts allow the integration of a wide variety of investment vehicles, from euro funds to unit-linked funds, including dedicated funds, private equity and certain unlisted assets, offering a much greater degree of investment freedom than standard contracts.<\/p>\n<h2 id=\"recommandation\" tabindex=\"-1\">Recommendation<\/h2>\n<ul>\n<li><a href=\"https:\/\/balmontconseil.com\/en\/expatries-mobilite-internationale\/expatriation-patrimoniale\/\">Wealth relocation abroad \u2013 Balmont Conseil<\/a><\/li>\n<li><a href=\"https:\/\/balmontconseil.com\/en\/expatries-mobilite-internationale\/\">Expatriates and International \u2013 Balmont Consulting<\/a><\/li>\n<li><a href=\"https:\/\/balmontconseil.com\/en\/nos-solutions\/assurance-vie-luxembourgeoise\/\">Luxembourg Life Insurance: Security &amp; Wealth Management<\/a><\/li>\n<li><a href=\"https:\/\/balmontconseil.com\/en\/blog\/scpi-de-rendement-hors-de-france-et-europeennes-eliminer-les-prelevements-sociaux\/\">Real estate investment trusts (REITs) outside of France and Europe: eliminating social security contributions \u2013 Balmont Conseil<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Discover the concrete advantages of Luxembourg life insurance for expatriates and wealthy families: tax neutrality, portability and enhanced security.<\/p>","protected":false},"author":5,"featured_media":1781,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[9],"tags":[],"class_list":["post-1780","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-patrimoine"],"acf":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/balmontconseil.com\/wp-content\/uploads\/2026\/04\/image_1776825052033.jpg","_links":{"self":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/posts\/1780","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/types\/post"}],"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=1780"}],"version-history":[{"count":6,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/posts\/1780\/revisions"}],"predecessor-version":[{"id":2902,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/posts\/1780\/revisions\/2902"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/media\/1781"}],"wp:attachment":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/media?parent=1780"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/categories?post=1780"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/tags?post=1780"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}