Apcal
APCAL is the professional association of insurance brokers of Luxembourg. It was created in 2012. It includes more than 80 brokers or brokerage companies, who represent the large majority of active players.
The missions of APCAL
Carried by the missions of information, training and consultation which are incumbent upon it, the association ensures the representativeness of the profession at the national and international level in order to defend the interests of the brokerage and its members.

Representation
APCAL ensures the representation of the profession at national and international level (BIPAR).
APCAL offers professional mediation support,
APCAL represents the brokerage profession vis-à-vis the supervisory authorities.
Promotion and defence
APCAL promotes the broker profession and defends the interests of its members, both locally and internationally; develops common positions, particularly at the level of the Life and Non-Life Commissions; represents the broker profession in dealings with public authorities.


Training
APCAL offers training courses and conferences in order to prepare its members for the challenges of the profession, to facilitate access to the profession and to enable them to comply with their obligations
APCAL can also offer you the organisation of tailor-made training courses dedicated to your company and to your specific needs
Offers
APCAL organises working groups on topics specific to brokers and offers mutualised solutions
APCAL sets up – with the support of legal advisors – support documentation sets or guides in relation to regulations.
APCAL organises ad hoc training on current legal issues.

APCAL NEWS
Periodic report on IBIP
Periodic report on IBIPs: what you really need to know!
Insurance-Based Investment Products (IBIPs) are at the heart of transparency and compliance issues for insurance intermediaries. In an ever-changing regulatory environment, do you really know what the periodic reporting obligation entails?
In this article, Paula Leite, Managing Partner at VINCEO Solutions, explains why this report is not just a regulatory constraint, but also an opportunity to strengthen your customer relationship.
The life insurance industry: What does the future hold?
Life insurance of the future: KPMG Luxembourg reveals the key trends and keys to success!
Insolvency of FWU Luxembourg: The Luxembourg Framework Tested
The insolvency of FWU Life Insurance Luxembourg S.A. highlights the robustness of the Luxembourg regulatory framework, particularly through the effectiveness of the ‘security triangle’ in protecting policyholders. The measures taken by the Insurance Commission and the court ensure that client claims are prioritized in the face of the insurer’s financial difficulties.