Product Spotlight: Luxembourg Assurance Vie from Lombard International (now Utmost Group)

This assurance vie is a highly secure and flexible financial planning solution.

Investment lowdown. Providing strong investor protection and tax efficiency, advantages include:

• Triangle of security. Assets are segregated from the insurer’s, held in a custodian bank and protected in case of insolvency.
• Super privilege. Clients rank above creditors ensuring priority over asset recovery.
• Investment flexibility. Policies allow multicurrency holdings and investments across diverse asset classes.
• Estate planning. Customisable beneficiary clauses optimise inheritance, while built-in tax deferrals support wealth growth.
• Regulatory strength. Oversight from the Luxembourg Commissariat aux Assurances(CAA) guarantees investor protection.

Take note. Lombard International has been acquired by Utmost Group – a financial group rated A+ by Fitch – with rebranding taking place progressively throughout 2025. For existing clients changes are minimal as products and contract terms remain the same.