Your advantages
Investment privilege
Investment freedom free choice of investment strategy and instruments. Free choice of custodian bank and asset manager**
Beneficiaries
Choice of beneficiaries is free and flexible
Inheritance privilege
The value of the policy does not fall into the estate
Bankcruptcy privileg
The life insurance policy protects, according to the law of Liechtenstein, members of the family from the consequences of a bankruptcy
Tax Privilege
Capital gains and incomes capitalized inside the policy are exempted from all kinds of taxation (Liechtenstein)
Various income and inheritance tax benefits (depending on local law)
Policy loan
The lending of an insurance contract, also “policy loan” mentioned, is usually possible up to 80% of its repurchase value
Death benefrit
Guaranteed death benefit if agreed
Death benefits 1 % – 500 % free choice
**taking into account local regulations and restrictions
Life insurance products
Privat Insuring
Privat insuring, a concept which combines private banking and investment management services with the sophisticated use of life assurance as a financial planning structure to achieve fiscal advantages and security for wealthy investors and their families.
Fund linked life insurance
A combined endowment insurance plan permits targeted, tax-efficient wealth accumulation with the aim of securing your standard of living after retirement or achieving a long-term savings goal. Moreover, it offers financial security for your family or other persons to whom you are particularly close should you die or become disabled. You have the choice between retirement life-long pension, lump payment or a combination of both.
Classic combined life insurance
Classic combined life insurance may be considered as the classic form of life insurance . The endowment insurance guarantees benefits not only in the event of death, but also where the insured person is still alive at the term of the contract. In addition to the guaranteed benefit, a share of surpluses is paid out; this share of surplus is dependent on the performance of the insurance company and on costs and risk trends. In the event of death, the insured benefit is immediately paid to the beneficiaries.
Life Insurance
Investing with Selectable Risk Cover
Security and highly interesting investment opportunities for targeted asset accumulation all at the same time.
That is what the life insurance from the Liechtensteiner insurance companies offers you.
You can choose from a whole series of attractive national and international fund investments.
The Liechtenstein Life insurance reconciles risk cover and successful investing.You profit, on the one hand, from returns in line with the market offered by the investment fund products together with tax benefits – with low costs and a high degree of flexibility and transparency. And on the other hand, you have risk cover with a guaranteed lump sum death benefit the amount of which you can choose yourself.