Insurance broker ! Why go through him?
The main mission of the insurance broker : bring advice on the best deals on the market.
An insurance broker in Luxembourg is also known as a wealth management consultant in France (CGP) or an independent Financial Advisor (IFA) in the United Kingdom. It has the advantage of not depending on any network, bank or insurance company. He thus has the freedom to propose, in all objectivity, the most adapted solutions while always defending the interest of the customer in search of solutions of insurance or wealth management.
In addition to being approved and supervised by the French Insurance Commission (CAA), he is a long-term partner. The broker accompanies its clients along their heritage path in order to establish a strategy that is consistent with their needs and objectives.
Its multi-partnerships with insurance companies, management companies and product developers enable it to evaluate all products and investments in the market in order to select the most adapted to the needs of its customers.
His expertise also allows him to study the wealth of his client in its entirety through the use of his multiple skills and "know-how". It can thus accompany it on financial, real estate, fiscal, social or civil problems . This transversality can lead him to coordinate other actors, like a heritage orchestra conductor.
According to the 2015 study of the Finance Department of TNS Sofres, 9 out of 10 clients have a good image of their broker wealth management advisor.
Clients rely on a broker for their quality of advice, availability and independence (source TNS Sofres).
The broker accompanies its customers to find the best solution to ensure:
- His car
- His home
- Set up a complementary health that covers you everywhere especially in case of hospitalization even in case of refusal of the Luxembourg Sickness Fund
- Protect your family from the hazards of life
- Prepare for retirement
- Set up solutions for the company
- Protect directors and managers of SMEs and TPE etc.
The insurance broker is also a key player in terms of independence to find answers to the needs of expatriates settling in Luxembourg and avoid them all the administrative steps of a new installation.
In addition to the conventional insurance that we all need (car, home, health ...) where his advice is essential, it is essential in some other situations, such as:
Invest in life insurance to plan for the future, achieve a goal, prepare for retirement, protect your family or for any other reason:
Luxembourg being one of the European leaders in terms of heritage solutions, the broker is able to present the best solution or solutions. So after analyzing the needs, the expectations of the client, the broker will pilot the best capital to optimize the investment strategy. The customer can opt for a "free management" and / or "management under personalized mandate":
In the context of "free management", the client himself selects the investment media and makes the arbitration decisions between these media. Different options are offered: programmed partial surrenders, regular payments, progressive investments, ...
As part of the "personalized mandate management", the insurer selects the unit-linked media for the distribution of premium payments and makes the trade-offs between these supports, in accordance with the management orientation chosen by the client. This mode of management, which can be decided at the time of subscription or at any time during the life of the contract, can be combined with "free management".
Liability insurance for directors and officers
Directors and / or managers of small and medium-sized enterprises are subject to an increasingly restrictive regulatory environment. Protecting yourself becomes essential in relation to its professional stakes.
The civil liability of the manager is not to be confused with professional civil liability. The latter covers the case where the enterprise as such is implicated in the course of its activities. The insurance leader, meanwhile, intervenes when a business executive is personally the subject of legal action. Such a scenario may jeopardize all of his private wealth.
This article was produced in partnership with Equatus Insurance Broker .
