Launched on July 2, 2026the news Luxembourg life insurance of Yomoni marks a break in a market historically reserved for the most important assets. The main contracts distributed online are generally accessible from 100,000 euros at Ramify or Meilleurtaux Placement, 150,000 euros at BoursoBank and at least 250,000 euros in many private banking establishments. With an entry ticket fixed at 50,000 eurosthe French fintech intends to make this heritage product more accessible.
This launch is part of the strategy of the fintechspecialized in digital asset management, which wishes to apply in Luxembourg the recipe that made it successful in France: greater transparency, education and accessibility. “We wanted to do in Luxembourg what we managed to do in France: make this product more readable and more accessible”explain Gauthier Haem, commercial director of Yomoni.
Why Yomoni relies on Luxembourg life insurance
For the fintechthis strategy responds to changing investor expectations. Even before the official launch of the July 2next to 400 people had already declared themselves ready to commit to this new contract. “We were surprised by the enthusiasm around this offer. It’s a great success for such a new product”confides Gauthier Haem.
If Yomoni can offer an entrance ticket of 50,000 eurosthis is because fintech is transposing its digital management model to Luxembourg. According to Gauthier Haem, the standardization of mandates and the negotiations carried out with its partners have made it possible to make this offer more accessible, whereas until now these contracts were mainly distributed by private bank networks.
“If you want to benefit from the security offered by Luxembourg life insurance, there is no reason why you should invest several hundred thousand euros. This was our conviction and we negotiated to make this contract accessible as soon as 50,000 euros »says the leader.
According to him, this lowering of the entry ticket is not to the detriment of the quality of the contract. “It is not because the threshold is set at 50,000 euros that the investor benefits from less efficient protection or an investment universe. We simply negotiated to make this envelope more accessible. »
Fee transparency, the other fintech bet
This logic also applies to costs. If the subscription is entirely digitalized, Yomoni claims a managed management provided internally by its investment teams. Clients can also speak with an advisor to take stock of their wealth strategy. According to the fintech, this organization makes it possible to simplify the journey while maintaining human support.
Her management mandate is charged 0.70% per yearwith a decreasing price of up to 0.25% depending on the assets, to which are added the costs of investment supports. “Our fight is to allow savers to know precisely what they are paying. Today, many players display certain costs, but not always all of the costs actually incurred”underlines Gauthier Haem.
A wealth solution, but not intended for all savers
However, Yomoni recognizes that this life insurance does not constitute a universal solution. The objective is not to replace French life insurance, but to complement an already constructed wealth strategy.
The interest of these contracts does not lie in more advantageous taxation, but in their legal framework and their possibilities for diversification. The Luxembourg “super privilege” places policyholders among the priority creditors in the event of default by the insurer. They also provide access to a broader investment universe, including ETFs, “clean shares”, funds without retrocommissions, as well as investments denominated in several currencies.
“If you are starting out in building your assets, this is probably not the first product you should turn to. It is primarily aimed at savers who already have an investment strategy and wish to diversify it”specifies Gauthier Haem.
“We still read a lot of inaccurate things. It is not a tax optimization tool. Its interest lies elsewhere: in diversification, access to a wider investment universe and in the protection framework offered to assets”concludes commercial director of Yomoni.
