Interview with Véronique Simonin, Head of Sales for Europe at Swiss Life Global Solutions — Legacy Forum
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At the Legacy Forum 2025, Véronique Simonin, Head of Sales Europe at Swiss Life Global Solutions, highlighted the central role of Luxembourg life insurance in wealth transfer and the generation of liquidity for entrepreneurial families. She noted that the Global Private Wealth business line is dedicated to high-net-worth private clients in Europe and works closely with family offices, private bankers, and wealth managers who support their clients on a daily basis.
Luxembourg Life Insurance at the Heart of the Wealth Management Toolkit
Véronique Simonin presents the Luxembourg life insurance policy as one of the main tools in the “Luxembourg toolkit” for wealth transfer and organization. Compared to a domestic policy, this framework offers:
- a mechanism for asset protection,
- tax neutrality of the policy,
- while allowing clients to benefit from the advantages of life insurance in their country of residence.
Swiss Life thus provides support, advice, and the tools—the products and solutions—to its partners, who are on the front lines with high-net-worth clients to structure their wealth and prepare for its transfer.
Swiss Life Generations: Creating Liquidity Upon Death for Entrepreneurial Families
Beyond the Luxembourg framework, the interview highlights a specific solution: Swiss Life Generations, designed to create liquidity upon death.
This is a Luxembourg life insurance policy which, in addition to its standard features, guarantees a multiple of the initial premium as a death benefit throughout the policy term. Specifically, for a client investing 2 million, Swiss Life can pay out, depending on the client’s age at the time of purchase, between 3 and 10 million upon death.
For entrepreneurs, whose assets are often concentrated in their business, this mechanism is crucial: it allows for the immediate creation of liquidity for the family upon death, enabling the spouse or children to maintain their standard of living without destabilizing the business.
Véronique Simonin emphasizes that this type of solution is unique in Europe and specifically addresses the succession challenges faced by entrepreneurial families.
Passing on assets… and values to future generations
Beyond the technical aspects of succession planning, Véronique Simonin reminds us that a successful transfer is also a transfer of values. For Swiss Life, the words “value” and “meaning” are central, as are gratitude for what has been received, an awareness of the responsibility that comes with an inheritance, and the desire to grow it so that it, in turn, can be passed on. Transmission is thus not limited to a legal or tax framework: it is a long-term commitment across generations, which Swiss Life seeks to support in a way that closely reflects the realities of families.
About Swiss Life Global Solutions
Swiss Life Global Solutions is the Swiss Life Group entity dedicated to life-based insurance solutions for international high-net-worth clients and group insurance solutions for multinational corporations. Within Global Private Wealth, it designs customized life insurance solutions (primarily based in Luxembourg, Liechtenstein, and Asia) to address the challenges of managing, protecting, and transferring wealth in a cross-border context.
These solutions are distributed through a network of private banks, family offices, asset managers, brokers, and legal advisors, integrating life insurance into a comprehensive approach to wealth and succession planning. With over 165 years of experience from the Swiss Life Group and teams based in Luxembourg, Liechtenstein, Singapore, and Hong Kong, Swiss Life Global Solutions supports its partners and their clients to help them build financial independence and live according to their own choices.
