Our Solutions – France
Our Solutions
Utmost Wealth Solutions provides insurance-based solutions to high net worth clients who want to sustain and pass on their wealth.
Life insurance is a robust and proven solution, which assists in financial planning, enabling clients to pass on their wealth in a controlled manner.
Wealth solutions is our core business. We employ focus, scale and technical expertise to safeguard our clients’ wealth.
Utmost Wealth Solutions provides insurance-based solutions to high-net-worth clients in France who want to preserve and pass on their wealth in a controlled and efficient manner.
Through our regulated entities in Ireland and Luxembourg, we offer life insurance solutions tailored to clients’ wealth planning needs:
- Private Wealth Portfolio France (from Ireland).
- Liberté and Liberté Capitalisation France (from Luxembourg).
Private Wealth Portfolio France: A tailor-made life insurance solution
Private Wealth Portfolio France (PWP France) is much more than a traditional life assurance contract. It is a tailored wealth management solution, designed to meet the sophisticated needs of high-net-worth clients residing in France — or planning to relocate there.
Key features
Unparalleled flexibility
Each client can shape their contract according to their own investment strategy:
- Discretionary management (Dedicated Internal Fund) for full delegation,
- Advisory management for expert-guided decision-making,
- Self-directed management to maintain full control over investment choices.
All within a single, fully customisable contract, that can evolve over time.
A broad investment universe
From a minimum investment of €500,000, clients gain access to an extensive range of assets — from liquid to illiquid — with no minimum wealth requirement.
They also benefit from the expertise of leading investment managers and custodians, enabling the construction of a portfolio aligned with their ambitions.
A tax-efficient structure
PWP France offers a highly efficient framework, benefiting from Ireland’s tax neutrality and VAT exemption, while maintaining a simple and transparent structure.
An international solution designed to last
PWP France is portable across multiple jurisdictions in Europe and beyond, ensuring continuity and flexibility in the event of relocation.
Contact our dedicated team for more information
Liberté: A flexible multi-support solution
Our unit-linked life insurance contract, Liberté, is available to individuals, while our capitalisation contract, Liberté Capitalisation, is accessible to both individuals and legal entities. Our Luxembourg-based products offer a flexible multi-support solution that allows investment in various options, including:
- internal dedicated funds
- collective internal funds
- external funds
- specialised insurance funds
Key Features
Using these investment options allows you to combine different types of management (discretionary or advisory), investment strategies and custodian banks. It also offers the possibility of benefiting, within a single contract, from the expertise of several asset managers and/or financial advisers. Reallocation between the options within the contract is always possible. Additionally, all financial information is consolidated into a single report.
Contact our dedicated team for more information
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Benefits of Utmost Wealth Solutions
In France, policies are issued through our Irish or Luxembourgish-based life companies, leveraging the tax efficient and robust regulatory frameworks, established industry expertise and strong policyholder protection regimes in both jurisdictions.
Customer support
If you have a query about an existing policy, please contact our customer support team.
Online service
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