OneLife
OneLife is a Luxembourg-domiciled life insurance company that designs wealth, legacy, capitalisation, and pension solutions for high-net-worth individuals and legal entities, distributed exclusively through brokers, IFAs, private banks, and family offices across nine European markets and supported by a wholly-owned subsidiary structure under Groupe APICIL.
- Company typePrivate
- Founded1991
- HeadquartersMamer, Luxembourg
- Headcount51–100
- GTM typeB2B
- OfferingServices
What OneLife does
OneLife is a Luxembourg-domiciled life insurance company (The OneLife Company S.A.) founded in 1991 that designs tailor-made wealth, legacy, capitalisation, and pension solutions through Luxembourg life insurance wrappers. It is regulated by the Commissariat aux Assurances and operates exclusively via a B2B partner distribution model, with insurance brokers, independent financial advisors, private banks, and family offices distributing its products across nine European markets (Belgium, Denmark, Finland, France, Luxembourg, Malta, Portugal, Spain, Sweden) under the Freedom to Provide Services regime, complemented by local branches in Belgium and France.
The company's product engine combines Luxembourg-specific legal protections — the Triangle of Security, Super Privilege, and asset unseizability — with a broad investment shelf: more than 700 external funds, internal collective funds, individual management with 70+ custodian banks, and the ability to incorporate unlisted assets such as private equity or real estate. Product variants include Wealth, Legacy, Capitalisation, I-Serenity, and market-specific wrappers (Camelea, BeLife, Be I-Funds, Be I-Serenity, Belgium and Sweden pension products). Underlying technology includes SWIFT-community integration for automated custodian-bank information sharing (rolled out 2022–2024), a digital Client Knowledge tool for partner-level KYC management, a simplified electronic signature tool, a 100% digital subscription platform inherited from Groupe APICIL, and client/partner portals (YourAssets, YourOffice) plus a OneLife OneApp mobile application.
OneLife generates revenue from recurring premiums (€1.3 billion collected in 2025, up from €1.03 billion in 2023) and ongoing investment-management fees on €10.5 billion of assets under management (as of September 2025). The company has been a wholly-owned subsidiary of Groupe APICIL (the 3rd/4th largest social protection group in France, €2.4 billion revenue) since January 2019, following acquisition from J.C. Flowers & Co. Headcount stands at 170+ wealth planners, legal, investment, and digital specialists, and the entity operates from its Capellen headquarters with branch offices in Belgium (Auderghem, opened 2024) and France.
OneLife firmographics
Firmographics- Name
- OneLife
- Legal name
- The OneLife Company S.A.
- Website
- https://onelife.com
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- OneLife is a Luxembourg-domiciled life insurance company that designs wealth, legacy, capitalisation, and pension solutions for high-net-worth individuals and legal entities, distributed exclusively through brokers, IFAs, private banks, and family offices across nine European markets and supported by a wholly-owned subsidiary structure under Groupe APICIL.
- Ownership category
- akta.pro rank
OneLife industry classification
Industry- Product category
- Life Insurance & Wealth Management
- NAICS
- Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Life Insurance (6311), Investment Advice (6282)
- akta.pro primary industry
- Universal Life (UL) Insurance (FSAIABAB)
- akta.pro secondary industries
- Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM)
Keywords
Where OneLife is headquartered
LocationHeadquarters
- HQ city
- Mamer
- HQ country
- Luxembourg
- HQ region
- Europe
Offices2 records
Markets served
OneLife business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Life Insurance Premiums: Core revenue from Luxembourg life insurance policies, capitalisation contracts, and pension products. Premium collection reached €1.3 billion in 2025.
- Investment Management Fees: Fees from managing diverse investment options including 700+ external funds, innovative internal collective funds (ICFs), and individual management solutions with 70+ custodian banks.
Go-to-market motion2 records
Distribution channels7 records
Marketing channels4 records
OneLife product offering
Product offeringCore offering
OneLife designs, underwrites, and distributes Luxembourg life insurance-based wealth management solutions — including life insurance policies, capitalisation contracts, and pension products — through a network of professional partners (insurance brokers, IFAs, private banks, family offices) across 9 European markets. The offering combines flexible investment options (700+ external funds, internal collective funds, individual management with 70+ custodian banks, and unlisted assets) with Luxembourg's unique legal protections (Triangle of Security, Super Privilege, asset unseizability) for wealth management, estate planning, and cross-border succession.
Product overview
OneLife is a Luxembourg life insurance company offering a comprehensive suite of wealth management solutions through Luxembourg life insurance products. The product portfolio includes core insurance products (Wealth, Legacy, Capitalisation, I-Serenity, Camelea, BeLife, Be I-Funds, Be I-Serenity, and market-specific pension solutions for Belgium and Sweden) designed for individuals and legal entities across 9 European markets. These products are supported by investment solutions offering access to 700+ external funds, innovative internal collective funds, individual management with 70+ custodian banks, and unlisted asset capabilities. The offering includes digital platforms (YourAssets for clients, YourOffice for partners, and OneLife OneApp mobile application) enabling secure policy management, transactions, and electronic signature. Protection is provided through the Triangle of Security framework with Super Privilege and unseizability guarantees.
Differentiator
Problem solved
Functional benefit
Products and services
- Wealth Luxembourg life insurance product offering flexible investment solutions for wealth management, available across multiple European markets including Belgium, France, Luxembourg, Spain, Denmark, Portugal, Sweden, and Finland. Designed for high net worth private individuals and legal entities seeking tailor-made wealth solutions.
- Legacy Estate planning and wealth transfer solution enabling clients to manage and transmit wealth to beneficiaries with optimal cross-border management capabilities, leveraging Luxembourg legal protections for succession planning.
- Capitalisation Capitalisation product available in Denmark, France, and Luxembourg markets, offering savings accumulation with flexible investment options.
- I-Serenity Investment-focused Luxembourg life insurance product providing flexibility and personalisation in investment management, including access to internal collective funds (ICFs) and external fund options.
- Camelea Luxembourg life insurance solution offered primarily in the Belgian market through OneLife's Belgian branch and partner network.
- BeLife Belgian market-specific life insurance product designed for the Belgian client base with local compliance and structuring.
- Be I-Funds Belgian market investment fund insurance product providing flexible fund selection within a Belgian contract wrapper.
- Be I-Serenity Belgian market investment insurance product with flexible fund selection, combining features of the I-Serenity product within a Belgian policy wrapper.
- OneLife Pension Belgium Pension insurance solution specifically designed for the Belgian market, supporting retirement planning under Belgian regulatory frameworks.
- OneLife Pension Sweden Custom pension insurance solution targeting the Swedish market, developed in Luxembourg as the first such offering specifically designed for Swedish clients.
Quantifiable outcome
- €10.5 billion in assets under management
- +2 more outcomes
Companies that use OneLife
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles3 records
OneLife technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature6 records
OneLife partnerships and signals
Strategic signalScale indicators10 records
Recent moves9 records
Expansion highlights6 records
OneLife competitors and assessment
Company assessmentDirect peers
- Foyer S.A. Luxembourg-headquartered life insurer offering unit-linked and capitalisation products to HNW clients; competes head-to-head with OneLife in Luxembourg wrappers and shares the same regulatory framework and Triangle of Security-style protections.
- Sogelife (Société Générale Luxembourg): Subsidiary of Société Générale focused on Luxembourg life insurance and capitalisation contracts for HNW clients across Europe; the closest direct competitor in product, channel and target market.
- Lombard International Assurance: Specialist in unit-linked life insurance-based wealth structuring for ultra-HNW individuals and families in Europe; competes with OneLife in the multi-jurisdictional HNW wrapper space with comparable cross-border positioning.
- Baloise Insurance Luxembourg: Luxembourg entity of Swiss Baloise offering life insurance and wealth solutions with a partner-distribution model similar to OneLife; overlaps in HNW and cross-border wealth planning in Luxembourg.
- Swiss Life Luxembourg: Luxembourg arm of Swiss Life offering life insurance and wealth structures for HNW cross-border clients; comparable product mix, regulatory framework and partner-led distribution as OneLife.
- BNP Paribas Cardif (incl. Cardif AEP): French life insurance / assurance épargne pension provider; overlapping in savings, pension and unit-linked products with European HNW clients — OneLife's CEO Bruno Valersteinas previously led Cardif AEP.
Broad incumbents
- Zurich Life Insurance (Zurich Insurance Group): Global incumbent insurer with European life and wealth solutions including Luxembourg offerings; broader portfolio but overlaps with OneLife in HNW unit-linked and cross-border wealth structuring.
- Allianz Life Luxembourg / Allianz Europe: Large global incumbent with life insurance, savings and wealth products across Europe; competes in HNW wrappers and pension-based investment solutions with broader geographic reach than OneLife.
- AXA Wealth Europe: Major incumbent with European life and wealth-management savings offerings; comparable in HNW and pension/savings products though operating at much larger scale and a wider product breadth.
- CNP Assurances (incl. CNP Luxembourg): French incumbent life and personal-insurance group with Luxembourg presence; comparable in savings and pension products across Europe with broad scale rather than OneLife's HNW-specialist niche.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
OneLife social profiles
Digital presenceOneLife compliance and trust
Trust signalCompliance4 records
OneLife financial estimates
Financial estimateRevenue estimate
Valuation estimate
OneLife leadership team
Management profileNumber of profiles
Profiles2 records
OneLife funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OneLife M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about OneLife
What does OneLife do?
OneLife designs, underwrites, and distributes Luxembourg life insurance-based wealth management solutions — including life insurance policies, capitalisation contracts, and pension products — through a network of professional partners (insurance brokers, IFAs, private banks, family offices) across 9 European markets. The offering combines flexible investment options (700+ external funds, internal collective funds, individual management with 70+ custodian banks, and unlisted assets) with Luxembourg's unique legal protections (Triangle of Security, Super Privilege, asset unseizability) for wealth management, estate planning, and cross-border succession.
Is OneLife a public or private company?
OneLife is a private company. It is classified as corporate owned and is currently operating.
When was OneLife founded?
OneLife was founded in 1991. It employs 51 to 100 people.
Where is OneLife based?
OneLife is headquartered in Mamer, Luxembourg, in the Europe region.
How does OneLife make money?
Two revenue lines are on record. Life Insurance Premiums are the primary driver. The others are investment Management Fees.
Who are OneLife's main competitors?
Direct peers on record are Foyer S.A., Sogelife (Société Générale Luxembourg), Lombard International Assurance, Baloise Insurance Luxembourg, Swiss Life Luxembourg and BNP Paribas Cardif (incl. Cardif AEP). Broad incumbents are Zurich Life Insurance (Zurich Insurance Group), Allianz Life Luxembourg / Allianz Europe, AXA Wealth Europe and CNP Assurances (incl. CNP Luxembourg).
Does OneLife have an API?
No public API is recorded for OneLife.
What industry is OneLife in?
OneLife's product category is Life Insurance & Wealth Management. Its primary akta.pro industry code is FSAIABAB, Universal Life (UL) Insurance, with a secondary code of FSAAABAE, Private Wealth Planning (Tax, Estate & Succession). Its NAICS code is 524113 and its SIC code is 6311.