What is Unit-Linked life insurance?
Unit-Linked life insurance, also known as Wealth Assurance, Private Placement Life Insurance (PPLI), Branche 23 Fonds dédié/Tak 23 toegewezen fonds (Belgium), Ramo III private insurance solutions (Italy), assurance vie en unités de compte (France) is an established and internationally recognised tool for wealth, estate and succession planning.
A Unit-Linked life insurance contract can be invested in a variety of assets, both listed and non-listed, via a range of internal or external funds. It does not offer a guaranteed return as its value is directly linked to the performance of the underlying assets of the insurance policy and subject to market fluctuations. It is adaptable to the most complex of situations, and its robustness and flexibility make it highly complementary to other popular wealth management solutions. It can be tailored to suit the unique needs of individuals, their families and institutions, with the potential to enhance financial planning.
At Lombard International Assurance, we are committed to setting and maintaining the highest standards of risk management and compliance in the industry. Our Unit-Linked life insurance solutions are fully compliant with the legal requirements of multiple global jurisdictions.
Our international team of 400+ experienced wealth structuring specialists, subject-matter and technical experts consists of over 40 different nationalities speaking over 30 different languages. We have the experience and local knowledge to engage with our clients and partners in their native tongue with an understanding of regional cultures needs and requirements.
Unit-Linked life insurance can be used to complement other popular wealth planning solutions
In an ever more globalised world, we offer the benefits of real choice and flexibility, Designed to meet the evolving and ever more sophisticated needs of upper affluent,HNW and UHNW clients and institutions, our solutions serve their wealth planning needs, objectives and personal circumstances. Depending on the jurisdiction, they can be easily combined with their existing wealth planning structures, such as a Trust, a discretionary managed account, fixed interest products, a civil company or other legal entities. These solutions complement a Unit-Linked life insurance solution, allowing for a holistic and comprehensive approach to estate planning.