GB Life Luxembourg has developed innovative solutions for Luxembourgish, Belgian, French, Spanish and Italian residents. Depending on the country of residence of the policyholder, the premium is invested in dedicated funds, and/or internal collective funds, and/or external funds. This is the basis of a personalized wealth solution. These solutions can be structured in different ways and can include various options such as multiple policyholders and lives assured.

Life insurance policies are usually long-term investments and can be modified or amended, based on the change of needs and residence of the policyholders.  For instance, if a client moves to another European country, GB Life Luxembourg’s wealth solutions are “portable” and can be adapted to the tax or legal laws of the country of residence.

The management of the policy is carried out by an independent asset manager based on the investment strategy chosen by the client, and it is in line with regulations set out by the Luxembourg Insurance Regulator. It is also possible to choose a solution with multiple asset managers.

The life insurance product gives access to a wide range of funds with the possibility to change the asset allocation during the policy’s life. Thanks to Luxembourgish investment rules the portfolio of the policy may be invested in a wide range of assets, including potentially alternative funds and non-quoted (private) equity.