{"id":661,"date":"2015-03-02T12:18:53","date_gmt":"2015-03-02T11:18:53","guid":{"rendered":"http:\/\/www.life-magazine.be\/fr\/?p=661"},"modified":"2017-03-22T10:36:54","modified_gmt":"2017-03-22T09:36:54","slug":"assurance-vie-au-luxembourg-legal","status":"publish","type":"post","link":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal","title":{"rendered":"Assurance vie au Luxembourg ? L\u00e9gal ?"},"content":{"rendered":"Reading Time: <\/span> 2<\/span> minutes<\/span><\/span>

\"Luxembourg\"<\/a><\/p>\n

P<\/span>ourquoi pas\u00a0? La r\u00e9ponse aux trois questions que se pose tout investisseur.\u00a0<\/strong><\/p>\n

Est-ce l\u00e9gal\u00a0?<\/b><\/h3>\n

Oui, parfaitement (ce serait le comble). Le grand march\u00e9 europ\u00e9en, cela vaut aussi pour les services. Mais la finance, c\u2019est vrai, est un cas \u00e0 part. Les compagnies d\u2019assurance luxembourgeoises\u00a0comme Vitis Life (filiale de KBL)<\/strong> qui op\u00e8rent dans les autres pays de l\u2019Union europ\u00e9enne, par exemple la Belgique, le font dans le cadre de la libre prestation de services (LPS). Ce qui veut dire que les contrats d\u2019assurance-vie qu\u2019elles proposent sont conformes<\/strong> – \u00ab compliants\u00a0\u00bb, comme on dit – avec le droit et la fiscalit\u00e9 belge en mati\u00e8re de contrats d\u2019assurance. Cette r\u00e8gle a \u00e9t\u00e9 confirm\u00e9e par la Cour de Justice de l\u2019Union europ\u00e9enne\u00a0:<\/strong> toute compagnie d\u2019assurance europ\u00e9enne est tenue d’appliquer la fiscalit\u00e9 du pays de r\u00e9sidence de ses clients.<\/p>\n

Dois-je d\u00e9clarer ce contrat d\u2019assurance\u00a0?<\/b><\/h3>\n

Bien s\u00fbr. Dans le cadre de la politique de r\u00e9gularisation fiscale du pays, les Belges sont tenus de mentionner dans leur d\u00e9claration d\u2019imp\u00f4ts l\u2019existence de tout contrat d\u2019assurance-vie conclu \u00e0 l\u2019\u00e9tranger.<\/strong> Que les choses soient bien claires\u00a0: tous les contrats d\u2019assurance-vie qui ont \u00e9t\u00e9 souscrits par un contribuable belge, son conjoint, son cohabitant l\u00e9gal et ses enfants mineurs, sont concern\u00e9s.<\/p>\n

Pourquoi au Grand-Duch\u00e9\u00a0?<\/b><\/h3>\n

Certainement pas parce que c\u2019est un paradis fiscal. Ce ne l\u2019est plus d\u2019ailleurs. Le gouvernement luxembourgeois a \u00e9t\u00e9 tr\u00e8s clair sur ce point\u00a0: le secret bancaire \u00e0 des fins fiscales, c\u2019est fini. Par contre, la r\u00e9putation de la place financi\u00e8re de Luxembourg n\u2019est plus \u00e0 faire\u00a0: en mati\u00e8re de gestion de fortune, de fonds de pension et de fonds de placement, de sicav et de contrats d\u2019assurance-vie avec revenu garanti ou associ\u00e9s \u00e0 des fonds de placement, nos voisins ont b\u00e2ti un savoir-faire qui leur permet notamment de proposer aux ind\u00e9pendants, aux professions lib\u00e9rales et aux dirigeants d\u2019entreprises belges des contrats d\u2019assurance-vie sur mesure.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Reading Time: <\/span> 2<\/span> minutes<\/span><\/span>Expatrier son assurance-vie : Est-ce l\u00e9gal ? Dois-je le d\u00e9clarer ? Pourquoi au Luxembourg ? On vous explique. <\/p>\n","protected":false},"author":2,"featured_media":1084,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droit-et-argent"],"yoast_head":"\nAssurance vie au Luxembourg ? L\u00e9gal ? - Fifty & Me MAGAZINE<\/title>\n<meta name=\"description\" content=\"Avoir une assurance vie au Luxembourg ! Tout d'abord, est-ce l\u00e9gal ? Dois je le d\u00e9clarer ? Tant de questions auxquelles nous apportons une r\u00e9ponse.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance vie au Luxembourg ? L\u00e9gal ? - Fifty & Me MAGAZINE\" \/>\n<meta property=\"og:description\" content=\"Avoir une assurance vie au Luxembourg ! Tout d'abord, est-ce l\u00e9gal ? Dois je le d\u00e9clarer ? Tant de questions auxquelles nous apportons une r\u00e9ponse.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal\" \/>\n<meta property=\"og:site_name\" content=\"Fifty & Me MAGAZINE\" \/>\n<meta property=\"article:published_time\" content=\"2015-03-02T11:18:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-03-22T09:36:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/Assurance-Vie1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"520\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ga\u00eblle Mauroit\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ga\u00eblle Mauroit\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal\",\"url\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal\",\"name\":\"Assurance vie au Luxembourg ? L\u00e9gal ? - Fifty & Me MAGAZINE\",\"isPartOf\":{\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/Assurance-Vie1.jpg\",\"datePublished\":\"2015-03-02T11:18:53+00:00\",\"dateModified\":\"2017-03-22T09:36:54+00:00\",\"author\":{\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/#\/schema\/person\/d73538edb012161ebf7d953b667bb15b\"},\"description\":\"Avoir une assurance vie au Luxembourg ! Tout d'abord, est-ce l\u00e9gal ? Dois je le d\u00e9clarer ? Tant de questions auxquelles nous apportons une r\u00e9ponse.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal#primaryimage\",\"url\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/Assurance-Vie1.jpg\",\"contentUrl\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/Assurance-Vie1.jpg\",\"width\":600,\"height\":520},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Droit et Argent\",\"item\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance vie au Luxembourg ? L\u00e9gal ?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/#website\",\"url\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/\",\"name\":\"Fifty & Me MAGAZINE\",\"description\":\"Et si la vie commen\u00e7ait \u00e0 50 ans ?\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/#\/schema\/person\/d73538edb012161ebf7d953b667bb15b\",\"name\":\"Ga\u00eblle Mauroit\",\"url\":\"https:\/\/www.fiftyandmemagazine.be\/fr\/author\/gaelle\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Assurance vie au Luxembourg ? L\u00e9gal ? - Fifty & Me MAGAZINE","description":"Avoir une assurance vie au Luxembourg ! Tout d'abord, est-ce l\u00e9gal ? Dois je le d\u00e9clarer ? Tant de questions auxquelles nous apportons une r\u00e9ponse.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal","og_locale":"fr_FR","og_type":"article","og_title":"Assurance vie au Luxembourg ? L\u00e9gal ? - Fifty & Me MAGAZINE","og_description":"Avoir une assurance vie au Luxembourg ! Tout d'abord, est-ce l\u00e9gal ? Dois je le d\u00e9clarer ? Tant de questions auxquelles nous apportons une r\u00e9ponse.","og_url":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal","og_site_name":"Fifty & Me MAGAZINE","article_published_time":"2015-03-02T11:18:53+00:00","article_modified_time":"2017-03-22T09:36:54+00:00","og_image":[{"width":600,"height":520,"url":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/Assurance-Vie1.jpg","type":"image\/jpeg"}],"author":"Ga\u00eblle Mauroit","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Ga\u00eblle Mauroit","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal","url":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal","name":"Assurance vie au Luxembourg ? L\u00e9gal ? - Fifty & Me MAGAZINE","isPartOf":{"@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal#primaryimage"},"image":{"@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal#primaryimage"},"thumbnailUrl":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/Assurance-Vie1.jpg","datePublished":"2015-03-02T11:18:53+00:00","dateModified":"2017-03-22T09:36:54+00:00","author":{"@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/#\/schema\/person\/d73538edb012161ebf7d953b667bb15b"},"description":"Avoir une assurance vie au Luxembourg ! Tout d'abord, est-ce l\u00e9gal ? Dois je le d\u00e9clarer ? Tant de questions auxquelles nous apportons une r\u00e9ponse.","breadcrumb":{"@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal#primaryimage","url":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/Assurance-Vie1.jpg","contentUrl":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-content\/uploads\/2015\/03\/Assurance-Vie1.jpg","width":600,"height":520},{"@type":"BreadcrumbList","@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/assurance-vie-au-luxembourg-legal#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Droit et Argent","item":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent"},{"@type":"ListItem","position":2,"name":"Assurance vie au Luxembourg ? L\u00e9gal ?"}]},{"@type":"WebSite","@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/#website","url":"https:\/\/www.fiftyandmemagazine.be\/fr\/","name":"Fifty & Me MAGAZINE","description":"Et si la vie commen\u00e7ait \u00e0 50 ans ?","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fiftyandmemagazine.be\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/www.fiftyandmemagazine.be\/fr\/#\/schema\/person\/d73538edb012161ebf7d953b667bb15b","name":"Ga\u00eblle Mauroit","url":"https:\/\/www.fiftyandmemagazine.be\/fr\/author\/gaelle"}]}},"modified_by":"Gaelle Dehenain","_links":{"self":[{"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/posts\/661","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/comments?post=661"}],"version-history":[{"count":0,"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/posts\/661\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/media\/1084"}],"wp:attachment":[{"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/media?parent=661"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/categories?post=661"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fiftyandmemagazine.be\/fr\/wp-json\/wp\/v2\/tags?post=661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}