Introducing Liechtenstein Life’s New Wholelife Insurance: A Tax-Optimized Solution for Wealthy Clients

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Liechtenstein Life is expanding its range of fund policies for the German market. New to the portfolio is wholelife insurance, which makes it possible to save assets in a return-oriented manner and transfer them to heirs in a tax-optimized manner. The Liechtenstein Life Wealth tariff is a long-term, unit-linked life insurance policy in which insurance benefits can be individually configured and flexibly designed for inheritances or gifts.

In Germany, more is being inherited or given as gifts than ever before. But inheritance or gift tax, with tax rates of up to 50 percent, can significantly reduce the assets transferred. This is where the new one comes in Liechtenstein Life-Policy that is specifically tailored to the needs of wealthy people. With the innovative Wholelife tariff, the benefit in the event of death does not flow into the inheritance. Customers can benefit from inheritance and gift tax allowances. If necessary, a term fix option can also be flexibly integrated.

This unit-linked life insurance was designed specifically to meet the diverse needs of wealthy clients. The tariff is available both with ongoing premium payments and with one-off contributions. Up to two policyholders or insured persons can be included in the contract. This opens up a variety of scenarios for tax-optimized asset transfer and estate planning.

With Liechtenstein Life Wealth, customers can simultaneously save taxes, let the capital continue to work and structure the transfer of their assets with maximum flexibility. For the duration of the Wholelife tariff, a final age of up to 104 years old (of the policyholder and the insured person) can be selected. The entry age is possible up to the age of 92 (of the policyholder and the insured person).

“The inheritance wave offers huge potential for brokers and advisors. But they also need solutions that precisely meet the needs of demanding and solvent clients,” says Stephan Bruckner, Senior Sales Representative for Liechtenstein Life. “We are pleased to present Liechtenstein Life Wealth, one of the most flexible tariffs in the area of ​​inheritance and gifts in the German market. This means that intermediaries not only have an optimal solution for their customers’ wealth and estate planning. With experienced generational advice, you can stand out from other competitors, even in the face of increasing competition, and make your own portfolio future-proof.”