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DESTINYLife Insurance
WYCC is a trading name of Integra Consultancy Services SA (ICS), tel: +352 27 44 54, Email: [email protected] Brokerage Company, 10 rue Michel Rodange L-2430 Luxembourg, RC: B59616, Insurance authori�es, agreement n°1998 CM 001
CARDIF LUX VIE Société Anonyme, tel. : +352 26 214 - 1, Email: [email protected] 691 L-2016 Luxembourg TVA : LU163 196 59, RCS Luxembourg N° B47240
Qualion finance S.A., tel : +352 26 20 33 13 1, Email : [email protected], 659 Rue de Neudorf, L-2220 Luxembourg, RCS : B143539
Pour souscrire contactez nous
email: [email protected]
tel.; +352 274 454
v2019-04-10
Whatever your investor profile, we provide anonline arbitra�on tool. At any �me and in any place,you can change the amount of your payments,choose different op�ons for distribu�ng your fundsand even your own investment strategy.
A modern and clear MANAGEMENT
Degressive ini�al fees according invested capital
1% 0.3%
up to 150,000 € over 500,000 €
Degressive annual administra�on fees
1% 0.6%
< than 250,000 € > than 500,000 €
At lower COST
Choosing Life Insurance means saving securely while simultaneously benefiting:
- profitability according to your performance requirements- an advantageous tax system- to have access to your funds at any �me without penalty- an effec�ve tool for transmi�ng your heritage and estate planning- to designate the beneficiary or beneficiaries of your choice
Why choose DESTINY Life Insurance?
Preserving your capital and havingregular income are your mainobjec�ves. However, in order to growyour capital and improve its long-termreturn, you are willing to take limitedrisks by inves�ng a small por�on ofyour assets in risky assets. Yourtolerance for the risks of loss andfluctua�ons is low. You preferinvestments in cash and bonds.Incidentally, you opt for investmentsin equi�es and alterna�veinstruments. Available from 100,000 €of investment.
CONSERVATIVE
Increasing your capital over the longterm and collec�ng regular incomeare your main objec�ves. To achievethis, you are willing to take moderaterisk by inves�ng a por�on of yourassets in risky assets with higherperformance poten�al. You have amoderate tolerance for the risks ofloss and capital fluctua�ons. Youprefer investments in cash, bonds,equi�es and alterna�ve instruments.Available from 100,000 € ofinvestment.
BALANCED
Increasing your capital over the longterm is your main objec�ve. Toachieve this, you are willing to takeon a higher risk by inves�ng apreponderant part of your assets inrisky assets with a higherperformance poten�al. You have anincreased tolerance for the risks ofloss and fluctua�ons. You do notneed this capital to meet your short-term financial obliga�ons. You preferinvestments in equi�es andalterna�ve instruments. Incidentally,you opt for investments in cash andbonds. Available from 100,000 € ofinvestment.
DYNAMIC
A HIGH QUALITY contract that RESSEMBLE you among 5 profiles to choose from
You wish to determine yourself thepercentage allocated to the variousinvestment funds we offer you. You areaware of the specificity of each fund and therisk that their exposure to different assetclasses may entail. Available from 100,000 €of investment.
CUSTOMISED
Requires an appointment with our dedicated fundmanager QUALION who will assist you in yourchoices. Accessible from 250,000 € by DedicatedInternal Fund.
EXPERTISED
*The performance of the contractdepends on the choice ofinvestment supports. Thesesupports may increase or decreasedepending on market condi�ons.
For example, in your profession, you are confronted with a mul�plicity of employers allover the world. Despite everything, your banker refuses your real estate project. LifeInsurance is then a powerful argument for your banker, allowing you to put forward atraceability and serve as a guarantee for obtaining your real estate loan. WYCC Insurancewill even be able to offer you loan insurance adapted to your future loan.
A LEVERAGE for your projects.
DESTINY is submi�ed to the legisla�on of the Grand Duchy of Luxembourgin terms of Life Insurance. As a result, your deposits are guaranteedindefinitely by the State and without any limit, in the event that, forexample, the Insurance Company is in a situa�on of bankruptcy.Thus, Life Insurance in Luxembourg is de facto highly secure*.
GUARANTEED funds
DESTINY also allows you to top up your re�rement points ifyou think you have not contributed much or nothing so far.
The control of your FUTURE
Luxembourg does not apply directly any tax to residentsoutside Luxembourg. Regarding your country of residence,the taxa�on should be applicable to the contract.
an ADVANTAGEOUS tax system
The DESTINY Life Insurance recipe?- To be supported by CARDIFF LUX VIE in Luxembourg, a historically recognized and solid insurancecompany.- Collaborate with QUALION Finance, one of the best independent fund managers in theLuxembourg financial place.- Thus, we offer you 5 effec�ve investment strategies, corresponding to your profile.
Assisted by EXPERTS
un contrat HAUT DE GAMME qui vous RESSEMBLE parmis 5 profils au choix
WYCC is a trading name of Integra Consultancy Services SA (ICS), tel: +352 27 44 54, Email: [email protected] Brokerage Company, 10 rue Michel Rodange L-2430 Luxembourg, RC: B59616, Insurance authori�es, agreement n°1998 CM 001
CARDIF LUX VIE Société Anonyme, tel. : +352 26 214 - 1, Email: [email protected] 691 L-2016 Luxembourg TVA : LU163 196 59, RCS Luxembourg N° B47240
Qualion finance S.A., tel : +352 26 20 33 13 1, Email : [email protected], 659 Rue de Neudorf, L-2220 Luxembourg, RCS : B143539
To subscribe please contact us
email: [email protected]
tel: +352 274 454
