Policyholder protection

Policyholder protection

As part of the Lombard International Group we are committed to setting and maintaining the highest standards of risk and compliance in the industry. Our unit-linked life insurance solutions are intended to be compliant with the legal requirements of multiple global jurisdictions. Our solutions are expertly designed in every relevant jurisdiction.

In Europe, our unit-linked life insurance solutions provided by Lombard International Assurance S.A. (“Lombard International Assurance”) benefit by Luxembourg’s insurance policyholder protection regime, which is popularly known as the “Triangle of Security”. This regime provides one of the strongest policy protection regimes in the world. It requires:

  • All assets linked to life insurance policies subscribed by Lombard International Assurance to be held by an independent custodian bank approved by the state insurance regulator, the Commissariat aux Assurances. 
  • Legal separation of the underlying assets of the insurance contract from other assets and liabilities of the insurance company.
  • Ring-fencing of the underlying assets of the insurance contract from both insurance company and the custodian bank.