When it comes to managing wealth efficiently in France, assurance vie policies remain a cornerstone of financial planning. For expats and French citizens alike, choosing the right assurance vie is crucial for optimising tax efficiency, diversifying investments, and ensuring long-term financial stability. Among the available options, the OneLife assurance vie stands out as arguably the best choice for 2025. Let’s explore why OneLife is an excellent solution, particularly for French residents, and how it compares to alternatives like the Utmost Apex assurance vie.

Why Assurance Vie Policies Are Essential

Assurance vie policies are incredibly popular in France due to their numerous benefits, including:

1. Tax Efficiency: Assurance vie policies offer significant tax advantages, including reduced income tax on withdrawals after eight years and favourable inheritance tax treatment.
   
2. Investment Flexibility: Policyholders can access a wide range of investment options, from mutual funds to tailored portfolios.
   
3. Multi-Currency Options: Many assurance vie policies allow investments in multiple currencies, providing a hedge against exchange rate fluctuations.
   
4. Wealth Planning: Assurance vie policies are a versatile tool for estate planning, enabling beneficiaries to inherit wealth in a tax-efficient manner.
   

The OneLife Assurance Vie Advantage

1. Range of Investments

OneLife provides unparalleled investment flexibility. Policyholders can choose from a broad selection of mutual funds, ETFs, and even bespoke investment strategies tailored to their needs. Unlike the Utmost Apex assurance vie, which has a more limited range of options, OneLife’s open architecture platform allows for greater customisation. This makes it an ideal choice for investors seeking diverse and tailored portfolios.

2. Currency Options

OneLife supports investments in multiple currencies, including EUR, GBP, and USD, allowing clients to minimise currency risk. This feature is particularly beneficial for expats who may have financial obligations or retirement plans across different countries. The Utmost Apex policy, while competitive in terms of currency flexibility, does not offer the same amount of investment flexibility overall and, importantly, it is not available to French citizens.

3. Luxembourg’s Financial Stability

OneLife’s base in Luxembourg is a significant advantage. Luxembourg-based assurance vie policies benefit from robust investor protections, including the “Triangle of Security,” which ensures that client assets are segregated from the provider’s balance sheet. This level of security is unmatched by Irish or French-based assurance vie policies, where similar protections may be less comprehensive.

Moreover, Luxembourg’s financial ecosystem is internationally oriented, making it a trusted jurisdiction for expats. By contrast, French-based assurance vie policies, while well-regulated, may not offer the same level of global flexibility and security.

4. Cost Efficiency

Despite offering these additional benefits, the OneLife assurance vie often works out as a lower-cost solution than Utmost Apex. This cost efficiency, combined with its flexibility and robust features, makes it a particularly attractive choice for those looking to maximise value.

Comparing OneLife and Utmost Apex

While both OneLife and Utmost Apex are strong contenders in the assurance vie market, key differences make OneLife the superior choice for French residents:

1. Eligibility: Utmost Apex is not available to French citizens, limiting its appeal to expats alone. OneLife, however, caters to both expats and French nationals, making it more inclusive.
   
2. Investment Options: OneLife’s wider range of investment opportunities offers greater customisation, whereas Utmost Apex’s choices are comparatively restricted.
   
3. Currency Flexibility: OneLife’s multi-currency capabilities surpass the more limited options of Utmost Apex.
   
4. Jurisdiction: Luxembourg’s robust financial protections provide peace of mind that Irish or French-based policies cannot fully replicate.
   

Best Assurance Vie 2025 – Why Work with Harrison Brook?

Navigating the assurance vie landscape can be complex, but Harrison Brook’s expertise simplifies the process. As specialists in expat financial advice, we provide tailored guidance to help you select the best assurance vie for your circumstances. Here’s why partnering with us is advantageous:

1. Expert Knowledge: Our team understands the nuances of assurance vie policies, ensuring you maximise their benefits.
   
2. Comprehensive Comparison: We compare a wide range of providers, including OneLife and Utmost Apex, to find the best fit for your needs.
   
3. Ongoing Support: From policy setup to ongoing management, we’re with you every step of the way.
   
4. Transparent Fees: At Harrison Brook, we pride ourselves on clear and competitive fee structures.
   

Is OneLife the Right Choice for You?

If you’re a French resident or expat looking for an assurance vie policy that offers flexibility, security, and tax efficiency, OneLife is a compelling choice for 2025. Its investment options, currency flexibility, and Luxembourg’s financial protections make it a standout solution compared to its competitors. Whether you’re planning for retirement, growing your wealth, or optimising your estate, OneLife provides the tools to achieve your goals.

At Harrison Brook, we’re here to help you navigate these options and make informed decisions. Contact us today to learn more about how we can assist with your assurance vie needs and secure your financial future.