Swissquote Life

The security of Luxembourg life insurance. The power of online investing.

Luxembourg life insurance is the tool of choice for wealth planning and capital protection. Available from EUR 250.000, it combines perfectly with Swissquote Bank Europe's online investment solutions.

Swissquote has been approved by the Commissariat aux Assurances (CAA) as a custodian bank for life insurance contracts, and works with all leading insurers. Swissquote Bank Europe is not a life insurance broker for these contracts.

Your advantages

Attractive and transparent fees

Management fees from 0.25%
Custodian fees from 0.06%
From €14.95 per share or ETF transaction

A complete investment universe

Over 20 currencies
Equities and ETFs on 30 international markets
Funds in institutional units

The protective framework of Luxembourg insurance

Your assets deposited with Swissquote Bank Europe
Luxembourg's tax neutrality
The protection of the "security triangle”

The solution of choice to manage your wealth

Self-management

Manage your own Specialised Insurance Fund (SIF)

Your life insurance policy, when combined with a Swissquote account, gives you total control and flexibility over your investments. Manage your specialised insurance fund and choose the equities, ETFs, investment funds and currencies that make it up.

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Advisory management

Be accompanied by your advisory manager or IFA

Assisted by your Independent Financial Adviser, you'll have access to a broad investment universe including equities, international ETFs, institutional fund share classes and all major currencies. Benefit from direct online access and check your portfolio any time.

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Transparent and attractive pricing

Management fees from 0.25% per year

Management fees are deducted by the insurance company and cover the administrative processing of your contract, the financial management of invested capital, the sending of account statements, and the management of customer relations.

Deposit fee: 0.06% excl. tax per year

Your assets are deposited with Swissquote Bank Europe in Luxembourg and are, therefore, segregated from the insurance company's assets for an unrivalled degree of protection. Our annual custodian fees are only 0.06% (excluding tax).

Transaction fees starting from 0.10%

Our investment transaction fees are identical to those of our securities accounts. Pay just 0.10% (minimum of €14.95) on purchases and sales of shares and ETFs on most stock markets such as Euronext, Xetra, NYSE and Nasdaq.

No hidden fees

No entry, subscription or payment fees. And no arbitrage fees other than transaction fees. Get access to institutional unit trusts (without retrocessions) and benefit from the full performance of your investment.

The power of our online platforms

As the leading online investment bank in Luxembourg, our investment platforms give you real-time access to your portfolio and the financial markets.

A unique protection mechanism in Europe

The security triangle

Your assets are deposited in a separate account from the insurer's assets and with a CAA-approved custodian bank that carries out regular checks on the insurer's reserves.

Super privilege

In the event an insurer defaults, you may recover your assets ahead of the company's other creditors. They include the government, social security bodies, shareholders and employees.

Tax neutrality

Luxembourg applies the principle of tax neutrality, and does not impose any tax deductions on your policy. Your insurance contract is tax-compliant with the rules in your country of residence.

Ready to take action?

Or contact your IFA