Life Asset Portfolio (LAP) Portugal
Our Life Asset Portfolio (LAP) solution integrates your investments with a life insurance.
Due to the different legal and fiscal systems in various countries, we offer distinctive LAP solutions taking into account the specifics of the residents.
For Portugal we offer the Life Asset Portfolio with the following key elements:
Swiss Life (Luxembourg) S.A.
Portuguese residents and Portuguese citizens (non-residents) looking for a unit linked life insurance contract regulated by Portuguese law that is designed for subscription by the general public
|Type of Contract||Single premium life insurance contract with possibility to pay additional premiums, linked to one or several fund categories selected by the policyholder (external funds, collective internal funds or dedicated funds as defined in the simplified prospectus and general conditions) and qualified as a structured savings instrument and complex financial product, according to the applicable law|
Whole of life. Expect in cases of total surrender or other grounds for termination of the contract (as described in the simplified prospectus and general conditions). Life Assest Portfolio (LAP) will only end with the death of the insured.
1 or more natural persons
Payment of the Benefits
|For dedicated funds, possibility to transfer the underlying assets (as described in the simplified prospectus and general conditions) or cash transfer|
EUR, USD or other currencies on request
- Tax advantages for residents
- Tax neutrality in Luxembourg for non-residents
- Individual estate planning
- Convenient and fast transfer of assets upon death
- Integration of existing portfolios
- Investment flexibility
- Asset and investor protection