Afi.esca Luxembourg S.a.
- Company typePrivate
- Founded2014
- HeadquartersLuxembourg, Luxembourg
- Headcount11–50
- GTM typeB2B
- OfferingServices
Afi.esca Luxembourg S.a. firmographics
Firmographics- Name
- Afi.esca Luxembourg S.a.
- Legal name
- AFI ESCA Luxembourg S.A.
- Website
- https://afi-esca.lu
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Where Afi.esca Luxembourg S.a. is headquartered
LocationHeadquarters
- HQ city
- Luxembourg
- HQ country
- Luxembourg
- HQ region
- Europe
Offices1 record
Markets served
Afi.esca Luxembourg S.a. business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Life Insurance Premiums: Collection of insurance premiums from life insurance and capitalisation contracts. Revenue generated from premium payments on insurance policies.
- Fund Management Fees: Fees charged on assets under management including average annual fees of 0.80% deducted monthly, and profit-sharing (PB) rates of 1.59% in 2024.
- Guaranteed Yield Products: Returns on euro funds with guaranteed interest rates (2.15% guaranteed average yield in 2024, 2.94% net average yield served).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | Euro Fund (Fonds Euro) - AEL SAFE+ guaranteed capital fund |
| Usage-based | Annual | QUALITY LIFE premium tier - Personalized management |
| Subscription | Monthly | Standard fee structure |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Afi.esca Luxembourg S.a. product offering
Product offeringCore offering
AFI ESCA Luxembourg S.A. is a Luxembourg-domiciled life insurance and capitalization company that designs and distributes multi-support insurance contracts (QUALITY LIFE and CAP QUALITY). The contracts provide access to guaranteed-capital euro funds, internal collective funds, and 129+ external funds from 41 partner asset managers, alongside personalized portfolio management for investments starting at EUR 250,000. Products are distributed exclusively via brokers and financial intermediaries in Belgium, France, and Luxembourg under the EU's Libre Prestation de Services regime.
Product overview
AFI ESCA Luxembourg S.A. offers a unified life insurance and capitalization platform with two main products: QUALITY LIFE (life insurance) and CAP QUALITY (capitalization contract). These contracts provide access to four types of investment instruments: euro funds with guaranteed capital (AEL-SAFE+), external funds (129 available from European and global asset managers), internal collective funds (INFRALUX 2033, AEL MultiGestion Evolutif), and dedicated internal funds managed by over 30 partner asset management companies. The company also offers personalized portfolio management starting from EUR 250,000 investment. The products are distributed in Belgium, France, and Luxembourg under the free service provision regime.
Differentiator
Problem solved
Functional benefit
Brands
- QUALITY LIFE: Life insurance contract - a patrimonial instrument for capital growth, pension savings, and wealth transfer
- CAP QUALITY
- AEL-SAFE+
- INFRALUX 2033
- AEL MultiGestion Evolutif
- FUTURE GENERATION LIFE
- INTERNATIONAL PENSION LUXEMBOURG
- ICF INFRASTRUCTURE
Products and services
- QUALITY LIFE Life insurance contract offering access to euro funds, unit-linked funds, external funds, and personalized portfolio management for wealth building, retirement planning, and estate transfer. Designed for individuals and HNW clients with minimum investment from EUR 250,000 for personalized management.
- CAP QUALITY Capitalization contract providing access to diversified financial funds without being tied to human life expectancy. Targets companies, associations, and French fiscal residents for medium to long-term investment, cash management, and corporate wealth structuring.
- AEL-SAFE+ Internal collective euro fund with guaranteed capital offering a 3.35% gross return in 2025 (excluding contract management fees). Guarantees safety of invested capital at any time, accessible via QUALITY LIFE and CAP QUALITY contracts.
- INFRALUX 2033 Internal collective fund exclusively distributed through AFI ESCA Luxembourg's life insurance and capitalization contracts. Invests in non-listed infrastructure assets (transport, energy, retirement homes, social housing, telecom towers) with a maturity guarantee.
- AEL MultiGestion Evolutif Fund managed by DNCA Finance, exclusively accessible via AFI ESCA Luxembourg's life insurance and capitalization contracts. Features fully open architecture, international investment universe, and free arbitrages within the portfolio without requiring client signature.
- ICF INFRASTRUCTURE Internal collective fund with maturity guarantee invested in sustainable infrastructure assets including social housing, retirement homes, tourist residences, and transport infrastructure. Accessible via AFI ESCA Luxembourg contracts.
- FUTURE GENERATION LIFE Insurance contract distributed through exclusive broker network that respects ethical criteria with exclusions of alcohol, tobacco, pornography, etc., aligned with SFDR characteristics.
- INTERNATIONAL PENSION LUXEMBOURG Pension product designed for international clients seeking cross-border pension solutions through Luxembourg's insurance framework.
Quantifiable outcome
- 36,456 active contracts as of January 1, 2026
- +3 more outcomes
Companies that use Afi.esca Luxembourg S.a.
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles5 records
Afi.esca Luxembourg S.a. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Afi.esca Luxembourg S.a. partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- AFI ESCA PatrimoinecoreExclusive distribution partner for generic life insurance and capitalisation products in the French market under the Libre Prestation de Services regime.
- DNCA FinancecoreAsset manager responsible for managing the AEL MultiGestion Evolutif fund, exclusively accessible through AFI ESCA Luxembourg insurance contracts. Features full open architecture and international investment universe.
- DÔM FINANCEcoreDelegated management of bond portfolio for euro funds. Implements socially responsible investment (SRI) strategy with normative exclusions (cluster munitions, landmines, controversial weapons) and sectoral exclusions (coal). Signatory to PRI and CDP initiatives.
- Custy (Groupe Burrus)coreIT services provider for business software. Custy Life platform used for policy administration. Now migrating to internally developed EAZ'IT system.
- 41 Asset ManagersminorNetwork of 41 asset managers providing external funds accessible through multi-support insurance contracts.
- ERGO LifecorePortfolio transfer agreement completed January 1, 2026. AFI ESCA Luxembourg acquired the classic life insurance portfolio from ERGO Life (run-off) in Luxembourg and Netherlands.
- Groupe BurruscoreFamily-owned holding group (50 companies, 1,500 employees across 7 European countries) providing ownership, IT services (Custy), and strategic direction. Parent company providing shared services including IT infrastructure.
Scale indicators12 records
Recent moves7 records
Expansion highlights5 records
Afi.esca Luxembourg S.a. competitors and assessment
Company assessmentDirect peers
- Zurich Life Luxembourg: Zurich Life Luxembourg offers unit-linked and multi-support life insurance products distributed via financial intermediaries. Comparable customer segments and broker-led model make it a direct peer in the Luxembourg life market.
- AXA Luxembourg: AXA Luxembourg is a major multi-line insurer with life insurance offerings distributed through brokers and financial intermediaries. It competes in the same Luxembourg life insurance market and similar cross-border channels.
- Bâloise Luxembourg: Bâloise Luxembourg is the local arm of Bâloise Group, offering life insurance and capitalization contracts in the Luxembourg market. It competes head-to-head with AFI ESCA Luxembourg for broker-distributed multi-support and unit-linked products under the same LPS framework.
- Lombard International Assurance: Lombard International Assurance is a Luxembourg-based specialist life insurer focused on high-net-worth wealth structuring and multi-currency unit-linked contracts. It competes directly with AFI ESCA Luxembourg's QUALITY LIFE HNWI tier.
- Sogelife: Sogelife (Société Générale Insurance) is a Luxembourg life insurer specializing in wealth-management life insurance contracts for Belgian, French, and Luxembourg residents. Its target customer and distribution channels are closely aligned with AFI ESCA Luxembourg's.
- Cardif Luxembourg (BNP Paribas): Cardif Luxembourg, the life insurance arm of BNP Paribas, offers multi-support life contracts through banking and broker networks. Similar cross-border reach into Belgium and France makes it a relevant direct competitor.
- Foyer Assurances: Foyer is one of the largest domestic Luxembourg life insurers, distributing life and capitalization products through brokers and financial intermediaries. Its size and product breadth make it the most directly comparable Luxembourg-domiciled competitor to AFI ESCA Luxembourg.
- Allianz Life Luxembourg: Allianz Life Luxembourg offers life insurance and capitalization contracts through brokers in the Luxembourg market. As a major international life insurer with comparable product structure and distribution model, it is a direct peer.
- SwissLife Luxembourg: SwissLife Luxembourg provides life insurance and wealth management solutions via financial intermediaries, with a similar multi-support offering. Comparable cross-border positioning into Belgium and France under LPS makes it a direct competitor.
- CNP Assurances Luxembourg: CNP Luxembourg is the local subsidiary of CNP Assurances, distributing life insurance and capitalization products in the Grand Duchy. Comparable product mix and broker-led distribution make it a direct peer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Afi.esca Luxembourg S.a. social profiles
Digital presenceAfi.esca Luxembourg S.a. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Afi.esca Luxembourg S.a. leadership team
Management profileNumber of profiles
Profiles2 records
Afi.esca Luxembourg S.a. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Afi.esca Luxembourg S.a. 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 Afi.esca Luxembourg S.a.
What does Afi.esca Luxembourg S.a. do?
AFI ESCA Luxembourg S.A. is a Luxembourg-domiciled life insurance and capitalization company that designs and distributes multi-support insurance contracts (QUALITY LIFE and CAP QUALITY). The contracts provide access to guaranteed-capital euro funds, internal collective funds, and 129+ external funds from 41 partner asset managers, alongside personalized portfolio management for investments starting at EUR 250,000. Products are distributed exclusively via brokers and financial intermediaries in Belgium, France, and Luxembourg under the EU's Libre Prestation de Services regime.
Is Afi.esca Luxembourg S.a. a public or private company?
Afi.esca Luxembourg S.a. is a private company. It is classified as family owned and is currently operating.
When was Afi.esca Luxembourg S.a. founded?
Afi.esca Luxembourg S.a. was founded in 2014. It employs 11 to 50 people.
Where is Afi.esca Luxembourg S.a. based?
Afi.esca Luxembourg S.a. is headquartered in Luxembourg, Luxembourg, in the Europe region.
How does Afi.esca Luxembourg S.a. make money?
Three revenue lines are on record. Life Insurance Premiums are the primary driver. The others are fund Management Fees and guaranteed Yield Products.
Who are Afi.esca Luxembourg S.a.'s main competitors?
Direct peers on record are Zurich Life Luxembourg, AXA Luxembourg, Bâloise Luxembourg, Lombard International Assurance, Sogelife, Cardif Luxembourg (BNP Paribas), Foyer Assurances, Allianz Life Luxembourg, SwissLife Luxembourg and CNP Assurances Luxembourg.
Does Afi.esca Luxembourg S.a. have an API?
No public API is recorded for Afi.esca Luxembourg S.a..