Life insurance

Reacting to the environment of the market and the requirements of its customers, Equatus® signed agreements with specialists in Wealth Management, in particular with independent Fund Managers and banks with a real independent choice in their allocation in respect of the clients’ needs.

Working with these professionals gives us the opportunity to set up fund allocations according to your profile, your desired level of risk, and other specific factors.

Equatus® will find the best and the most adapted insurance after an appointment with you in which we will ask you some questions in order to find the best solution for the future.

Your answers and your concerns and your wishes will be analysed in order to find the most adapted fund and portfolio allocations. This search will be done with our independent financial partners, under a legal European agreement.

Our partners were selected for their professionalism but also because their system and their working methods make it possible to answer to all types of requests. For a classic life insurance contract or for a tailor-made solution, including Wealth Management, you will get the best service guaranteed. All analysis are made to be in accordance with the actual legislation of your country, as well as the Luxembourg legislation on life insurance to give you the best scenario.

Luxembourg is one of the uncontested leaders for setting up tailor-made financial planning solutions. Its legislation makes it possible for any subscriber to be able to have wealth management through a life insurance contract. Starting at 125.000 euros Net of investment, any investor can set up his own tailor-made contract. We can distinguish 4 categories :

The 4 categories

• A. Minimum Investment for Tailor made solution = 125.000 EUR // Minimum Investment in the contract = 250.000 EUR // Minimum Wealth = 250.000 EUR
• B. Minimum Investment for Tailor made solution = 250.000 EUR // Minimum Investment in the contract = 250.000 EUR // Minimum Wealth = 500.000 EUR
• C. Minimum Investment for Tailor made solution = 250.000 EUR // Minimum Investment in the contract = 250.000 EUR // Minimum Wealth = 1.250.000 EUR
• D. Minimum Investment for Tailor made solution = 1.000.000 EUR // Minimum Investment in the contract = 1.000.000 EUR // Minimum Wealth = 2.500.000 EUR

With regard to the dedicated funds of type D, it is stipulated the investments will have to respect the specification in appendix I of the Commissariat aux Assurances (C.A.A) circular letter, but no limitation is imposed.

The sophisticated nature of modern medicine and the constant increase in life expectancy rates are increasing the burden on the social security system in the long term. For the insured this means lower benefits and higher personal contributions.

With private health insurance you can protect yourself against the financial effects caused by illness. This supplements the compulsory social security system.

• Firstly, you receive a refund for the supplementary expenses that you have to pay following an accident and an illness, and secondly, some benefits not recognized by the mandatory regime are paid under the private health plan.
• People who have permanent residence in Luxembourg and are covered by a Luxembourg mandatory health insurance are eligible. The expenses not covered by the Luxembourg social security system are refunded anywhere in the EU or in the World in case of hospitalization.

Whatever your occupational status, employee or freelance, you should now obtain healthcare protection that covers any costs resulting from an accident or illness.

The cost of supplementary sickness/heath insurance is based on your age and remains fixed during the following years. The earlier you start the more you gain.

In addition, the premiums you pay are also partly or totally tax-deductible depending on your position and the amount of premiums based on the legal deductible ceiling. This is another reason to subscribe as soon as possible.

Top-of-the-range service supplementary Healthcare, hospitalization and international repatriation

International Hospitalisation and Health insurance offers you the best financial cover both when you are travelling and in your country of residence :

• International coverage with the free choice of specialists, hospitals etc
• 24-hour emergency service
• All-risk insurance regardless of the type of work you do, you leisure pursuits or sporting activities
• Access to the Company experienced medical consultants for a first or second “per “per revenue” opinion
• Preventative medicine services
• Access to a vast range of online services, such as the ability to manage your policy via the Company website
• Guaranteed lifetime renewal of the insurance policy irrespective of your age or health status
• Coverage also extends to accidents resulting from terrorist activities.

You choose your modules based on your specific needs or the countries you visit.

The hospital insurance represents the basic coverage encompassing all your hospital expenses and this may be a single module or extended to the one or more additional modules:

• General practitioners
• Medication & Supplementary Products
• Medical evacuation & Repatriation
• Dental and Optical treatment.

You can opt to have your policy with or without an excess contribution and it may be in another currency such as : euros, US dollars or British pounds.