Global offshore investing provider
Generali Luxembourg
Listed for comparison
Luxembourg private life insurance for wealth structuring, arranged through private banks, family offices and advisers. Luxembourg private life insurance / wealth structuring provider.
At a glance
- Provider type
- Luxembourg private life insurance / wealth structuring provider
- Access model
- Private bank, family office or adviser
- Global reach
- Medium-high
- Primary jurisdiction
- Luxembourg
- Investment structure
- Private insurance structure
- Multi-currency
- Policy and investment dependent. FX costs are not published here.
- Asset-holding structure
- Luxembourg insurance wrapper, with linked custodian and asset-manager arrangements.
- Portability
- Described as strong within supported European cross-border markets.
- Public minimum
- An example in the reviewed material is a Luxembourg product minimum of EUR 250,000. It depends on the market and the product.
Global reach describes the published international footprint. It does not mean the provider accepts clients in every country.
Provider type
Private insurance structure. Luxembourg private life insurance / wealth structuring provider.
A brokerage account, an investment platform, an insurance bond and a private-insurance wrapper are different legal structures. They should not be treated as the same product.
Who it may suit
People comparing a Luxembourg private life-insurance contract arranged through a private bank, family office or adviser. That describes the published focus. It is not a view on whether this provider is suitable for you.
Where does this provider operate?
Primarily Europe: France, Italy, Spain, Belgium, Luxembourg, Monaco and expatriation scenarios are named. This is not a universal global solution.
Luxembourg. Offices, branches and distribution regions are not the same thing as a confirmation that residents of those places can open an account or policy.
- Europe
- Strong
- Middle East
- Limited
- Asia
- Limited
- Americas
- Limited
- Africa
- Limited
Strong, selected markets and limited describe the reviewed coverage. Confirm current eligibility with the provider.
Where is the account or policy legally based?
Where the provider is headquartered is not necessarily where your account or policy would be booked.
Luxembourg life-insurance contract.
Can you open this directly?
Professional intermediary
Private bank, family office or adviser. Private banks, family offices, independent financial advisers and wealth advisers.
This page does not open an account or policy.
Investment access
Unit-linked funds, dedicated internal funds and specialised insurance funds.
The investments available can depend on the entity, the product and the country of residence. Where a fund or security is established can also differ from where the account or policy is booked. This page does not turn that into a tax conclusion.
Multi-currency capability
Policy and investment dependent. FX costs are not published here.
A currency described for one product is not a promise that every client can hold it. Current FX rates and spreads are not published here.
How are the assets held?
Luxembourg insurance wrapper, with linked custodian and asset-manager arrangements.
Brokerage custody, platform custody, insurance ownership, an external custodian and private insurance are different legal positions. This description does not, by itself, indicate the level of protection, and it does not apply automatically to every product.
Tax and reporting
Tax treatment depends on the investor’s residence, the product and the relevant tax rules.
Private-insurance and wealth-structuring support, with digital policy management. This does not determine tax due.
International financial institutions may have reporting obligations under CRS, FATCA and other regimes. An offshore arrangement is not anonymous, and reporting does not mean the provider calculates or files your tax.
Portability
Described as strong within supported European cross-border markets.
A portable description does not mean tax treatment, investment access or adviser access stays the same after a move. Confirm whether you can keep the arrangement, add money, switch investments and continue to receive service in the new country.
Minimum and client segment
An example in the reviewed material is a Luxembourg product minimum of EUR 250,000. It depends on the market and the product.
A published figure can apply to one product and not to another. Confirm the current minimum for the entity and the product you are comparing.
What protection applies?
Protection depends on the specific legal entity and structure. Banking compensation, investment compensation, policyholder compensation, segregated assets and custodian segregation are different ideas, and they do not transfer from one entity to another.
The reviewed material describes the booking location as a Luxembourg life-insurance contract. The regulator, any compensation scheme and any policyholder arrangement depend on the legal entity and the product. That registration was not independently confirmed for this page.
This is a European higher-net-worth proposition. Country-specific tax and legal questions stay with the client and their advisers.
Look beyond the headline fee
A full cost can include more than one of the items below. Numeric charges are shown only when the reviewed material states a current figure. Ask the provider for the schedule that applies to the product and the entity.
- Adviser fee
- Platform charge
- Policy charge
- Custody
- Investment management
- Fund costs
- Trading
- FX
- Administration
- Establishment charge
- Withdrawal or surrender
- Transfer or exit charge
Questions to ask
Can you accept someone resident in my country?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
Which legal entity would serve me?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
Where would my account or policy be booked?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
Can I open directly, or do I need an adviser?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
Who legally owns or holds the investments?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
What currencies can I hold?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
What FX costs apply?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
Which investments can I access?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
What happens if I move country?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
Can I continue contributing or investing after a move?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
Can I transfer the arrangement elsewhere?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
What investor or policyholder protection applies?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
What CRS or FATCA reporting applies?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
What are the full costs?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
Are there surrender or exit charges?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
Are there minimum investment requirements?
Confirm the current answer with Generali Luxembourg. It depends on the legal entity, your country of residence and the product.
Sources and review
Information is based on publicly available provider information reviewed by WiT Access. Availability, product terms and jurisdictions can change. Reviewed 6 October 2026.
WiT Access provides general information and comparison resources. Offshore investing does not automatically provide a tax advantage. Nothing on this page constitutes investment, financial, tax or legal advice. Investments can fall as well as rise in value.