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Cardif Lux Life

Cardif Lux Life was created by the merger between Cardif Lux International and Fortis Luxembourg Vie. It offers a wide range of products and services across three complementary markets: life and protection insurance for domestic and cross-border clients, collective insurance for companies, and international life insurance within the European Union via the free provision of services regime.

Fortis Luxembourg Vie has been present in Luxembourg for over a hundred years and is highly regarded for its expertise in the individual and corporate life insurance market and as an asset manager. For over 15 years, Cardif Lux International has ranked as one of Luxembourg's leading providers of life insurance, offering solutions adapted to the specific needs of clients.

Cardif Lux Life is jointly owned by three of Europe's leading financial institutions: Ageas, BGL BNP Paribas and BNP Paribas Cardif, and benefits from the solid fiscal standing and stability of these companies.

Ageas is ranked among the top 20 insurance companies in Europe and has a heritage spanning more than 180 years.

BGL BNP Paribas is one of the largest banks in Luxembourg and offers a wide range of financial products to individuals, professionals, private banking clients and businesses. It is also the leading provider of bancassurance.

BNP Paribas Cardif is the life, property and casualty insurance division of BNP Paribas and is one of the world's leading providers of borrowers' insurance. BNP Paribas Cardif ranks among the top ten insurance companies in Europe and is present in 36 countries.

Cardif Lux Life has been an IGP Network Partner since 1967.

Key Products


  • Life
  • Accidental Death and Disability
  • Permanent and Total Disability
  • Optional Supplemental Life
  • Widow's and Orphans' Pensions


  • Managed Funds


  • Accidental and Sickness
  • Long-Term Disability
  • Waiver of Premium


  • Expatriate Programs: Life, Disability, and Retirement Benefits
Additional information about Cardif Lux Life can be found on the internet at: www.cardifluxvie.lu.
(Information is available in English and French.)