WEALINS

What WEALINS does

WEALINS S.A. is a Luxembourg-domiciled life insurance company that designs and distributes unit-linked wealth insurance and capitalisation solutions to international high-net-worth and ultra-high-net-worth individuals across approximately ten European markets (Belgium, France, Italy, Luxembourg, Monaco, Norway, Portugal, Spain, Sweden, Finland). The company was formed in August 2017 through the merger of Foyer International S.A. and IWI International Wealth Insurer S.A., consolidating Foyer Group's wealth-insurance activities under a single brand, and operates as a wholly-owned subsidiary of Foyer Group — Luxembourg's first private-capital insurance conglomerate, chaired by François Tesch. WEALINS reports assets under administration of €13.5 billion as of end-2020 and is positioned in the top 5 of Luxembourg-domiciled insurers offering unit-linked products under the European freedom-of-services regime.

Name

WEALINS

Legal name

Wealins S.A.

Website

https://wealins.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

101–250 employees

Short description

WEALINS is a Luxembourg-based life insurer and wholly-owned subsidiary of Foyer Group, designing unit-linked wealth insurance and capitalisation solutions for international high-net-worth individuals across approximately ten European markets via a partner-broker distribution network.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Direct Life Insurance Carriers (524113), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Life Insurance (6311), Insurance Carriers, Nec (6399)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

akta.pro secondary industries

Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

Keywords

• Wealth insurance solutions
• Life insurance products
• Capitalisation contracts
• Unit-linked insurance
• Wealth structuring services

Headquarters

HQ city

Leudelange

HQ country

Luxembourg

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Life Insurance Premiums: Collection of premiums from life insurance and capitalization contracts. In 2020, WEALINS achieved €1.7 billion in premium collection with near 70% growth compared to 2019.
2. Unit-Linked Insurance Management: Management fees from unit-linked insurance products where all financial risks are borne by policyholders. Assets under administration totaled €13.5 billion at end 2020.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

WEALINS designs life insurance (Wealins Life) and capitalisation (Wealins Capi) solutions from Luxembourg, distributed via professional partners across approximately 10 European markets under freedom of services. The company offers unit-linked products, fully digital subscription via ePlatinum, an Advanced Electronic Signature-enabled partner platform (e-Wealins), and impact investing through SUSTAINABILITY4ALL in collaboration with Candriam. It targets high-net-worth and ultra-high-net-worth individuals as well as Luxembourg corporate treasury clients (e.g., Soparfi structures).

Product overview

WEALINS is a Luxembourg-based wealth insurance company operating for over 30 years, specializing in unit-linked life insurance and capitalisation solutions for high net worth and ultra-high net worth individuals across European markets. The company operates a platform-plus-products architecture centered on its core insurance offerings: Wealins Life (life insurance) and Wealins Capi (capitalisation), supplemented by the digital ePlatinum product line for streamlined digital onboarding. All products are distributed through its e-Wealins digital platform and supported by a network of international distribution partners. The company also offers impact investing options (SUSTAINABILITY4ALL with Candriam), expert wealth planning advisory services, and hosts the annual Wealth Insurance Forum. WEALINS operates under Foyer Group's corporate responsibility framework with ESR/RE labels. The product portfolio spans 10 European markets including Belgium, France, Italy, Portugal, Spain, Finland, Norway, Sweden, Luxembourg, and Monaco.

Differentiator

Problem solved

Functional benefit

Brands

• e-Wealins: Digital platform for broker partners offering 24/7 access, multi-device compatibility, two-factor authentication, and intuitive interface for insurance contract management.
• ePlatinum

Products and services

• Wealins Life Life insurance solutions offered across multiple European markets (Belgium, Spain, Finland, France, Italy, Luxembourg, Monaco, Norway, Portugal, Sweden) providing wealth protection, portability, and succession planning for high net worth individuals.
• Wealins Capi Capitalisation solutions offered alongside life insurance, providing savings and investment accumulation features with the same Luxembourg regulatory protections and cross-border portability benefits.
• ePlatinum Fully digital life insurance solution targeting a more diversified client typology. The 100% digital product allows for streamlined subscription and all operations online.
• Platinum Serenity Premium life insurance solution offered in the Belgian market, representing WEALINS's high-end offering with comprehensive wealth planning features.
• e-Wealins Digital Platform Proprietary digital platform for partners providing 24/7 access, multi-device support, two-factor authentication security, and intuitive interface for managing client insurance contracts and data exchange.
• SUSTAINABILITY4ALL Impact investing fund option available within unit-linked insurance products, developed in collaboration with Candriam, enabling clients to align investments with sustainable development objectives.

Quantifiable outcome

• €500,000 potential gain achieved over 10 years on €10 million investment for Soparfi client
• +1 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Six partnerships are on record, tiered strategic, minor and core.

• CandriamstrategicStrategic or Co-development Partner · 1 January 2025WEALINS partnered with Candriam for the SUSTAINABILITY4ALL investment option, enabling impact investing capabilities within its insurance products.
• SOS Villages d'Enfants MondeminorOthers · 1 January 2021WEALINS supports the charitable organization through donations, including €1,500 for educational material supporting Venezuelan migrant children in Colombia as part of the No Child Alone campaign.
• SPORTUNITY a.s.b.l.minorOthers · 1 January 2021WEALINS sponsors SPORTUNITY, a Luxembourg association promoting social inclusion through sport, with €1,500 donation funding karate training programs for disadvantaged youth and refugees.
• IWI International Wealth Insurer S.A.coreStrategic or Co-development Partner · 1 January 2017WEALINS was formed from the merger of Foyer International S.A. and IWI International Wealth Insurer S.A. in August 2017, consolidating wealth insurance activities under a unified brand.
• Foyer GroupcoreOthersWEALINS is a subsidiary of Foyer Group, the first private capital insurance group in Luxembourg. The company benefits from group synergies, shared corporate values (trust, excellence, innovation, integrity, independence), and financial strength. François Tesch serves as President of both Foyer Group and WEALINS.
• GB Life Luxembourg S.A.coreStrategic or Co-development PartnerWEALINS completed its merger with GB Life Luxembourg S.A. at end 2020, expanding its operations and product offerings.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• AXA Luxembourg: AXA Group's Luxembourg life and wealth insurance operation. While a major multi-line insurer with broader product portfolio, it overlaps with WEALINS in HNWI life insurance and wealth structuring across European markets.

Direct peers

• Zurich Life Luxembourg: Zurich Insurance Group's Luxembourg life subsidiary offering wealth preservation and life insurance solutions for high-net-worth clients across European markets. Directly comparable in Luxembourg-domiciled life insurance for internationally mobile wealth.
• Generali Luxembourg: Generali Group's Luxembourg life insurance operation offering wealth insurance and unit-linked products to HNWI clients across Europe. Competes in the same Luxembourg freedom-of-services cross-border distribution channel.
• Allianz Life Luxembourg: Allianz's Luxembourg life insurance operation serving affluent and HNWI clients with cross-border unit-linked and capitalisation products. Competes with WEALINS for the same European partner distribution and HNWI client segments.
• Sogelife: Luxembourg life insurance entity of Société Générale group offering wealth structuring and unit-linked life products for international HNWI clients. Directly competes with WEALINS in the Luxembourg freedom-of-services cross-border channel.
• Swiss Life Luxembourg: Swiss Life's Luxembourg life insurance subsidiary providing wealth structuring, life insurance, and capitalisation products for affluent international clients. Comparable to WEALINS in HNWI wealth insurance focus from a Luxembourg platform.
• Cardif Lux Vie: BNP Paribas Cardif's Luxembourg life insurance subsidiary, one of the largest Luxembourg unit-linked life insurers for HNWI/UHNWI clients distributed via freedom of services across Europe. Directly comparable in product mix, geographic distribution model, and HNWI wealth insurance focus.
• Bâloise Life Luxembourg: Luxembourg life insurance arm of Bâloise Group serving private wealth and HNWI clients with unit-linked and capitalisation products. Overlapping product portfolio, regulatory domicile, and European HNWI distribution strategy.
• Helvetia Luxembourg: Swiss-headquartered Helvetia's Luxembourg life insurance entity offering wealth insurance and pension solutions to European HNWI clients. Comparable in product offering, regulatory structure, and cross-border HNWI distribution model.

Others

• Lombard Odier (Private Bank): Swiss private bank that, like WEALINS, serves internationally mobile HNWI/UHNWI clients with cross-border wealth structuring. While Lombard Odier is a wealth manager rather than a life insurer, it is comparable as a competing destination for European private wealth advisory relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/wealins-s-a

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about WEALINS