{"id":4655,"date":"2022-05-30T14:54:41","date_gmt":"2022-05-30T12:54:41","guid":{"rendered":"https:\/\/apcal.lu\/apcal\/"},"modified":"2025-09-21T20:50:07","modified_gmt":"2025-09-21T18:50:07","slug":"apcal","status":"publish","type":"page","link":"https:\/\/apcal.lu\/en\/","title":{"rendered":"APCAL En"},"content":{"rendered":"

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Apcal<\/h1>\n

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.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”#missions” button_text=”discover APCAL’s missions” _builder_version=”4.20.4″ _module_preset=”default” custom_button=”on” button_bg_color=”#C2974C” button_use_icon=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Missions Apcal” module_id=”missions” _builder_version=”4.16″ _module_preset=”default” background_color=”RGBA(0,0,0,0)” custom_padding=”230px||144px||false|false” bottom_divider_height=”58px” bottom_divider_flip=”horizontal” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_margin=”-142px|auto||auto||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” header_2_text_align=”center” global_colors_info=”{}”]<\/p>\n

The missions of APCAL<\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_text_color=”#16247F” text_orientation=”center” width=”80%” module_alignment=”center” global_colors_info=”{}”]<\/p>\n

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.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2021\/06\/APCAL-representation.jpg” alt=”Representation APCAL” align=”right” _builder_version=”4.16″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” border_width_all=”1px” border_color_all=”#cecece” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Representation<\/h3>\n

APCAL ensures the representation of the profession at national and international level (BIPAR).<\/p>\n

APCAL offers professional mediation support,<\/p>\n

APCAL represents the brokerage profession vis-\u00e0-vis the supervisory authorities.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_orientation=”right” global_colors_info=”{}”]<\/p>\n

Promotion and defence<\/h3>\n

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.<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2021\/06\/formation-apcal-1.jpg” alt=”Training” title_text=”vade-mecum-courtier-assurance” disabled_on=”on|on|off” _builder_version=”4.16″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” border_width_all=”1px” border_color_all=”#cecece” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2021\/06\/formation-apcal-1.jpg” alt=”Training” align=”right” _builder_version=”4.16″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” border_width_all=”1px” border_color_all=”#cecece” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” link_font=”||||on||||” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”#16247F”]<\/p>\n

Training<\/h3>\n

APCAL offers training courses and conferences<\/a> in order to prepare its members for the challenges of the profession, to facilitate access to the profession<\/span><\/a> and to enable them to comply with their obligations<\/p>\n

APCAL can also offer you the organisation of tailor-made training courses dedicated to your company and to your specific needs<\/p>\n

[\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjgifX0=@” button_text=”DISCOVER THE TRAINING CALENDAR” _builder_version=”4.16″ _dynamic_attributes=”button_url” _module_preset=”default” custom_button=”on” button_bg_color=”#C2974C” button_use_icon=”off” global_colors_info=”{}”][\/et_pb_button][et_pb_button button_url=”https:\/\/apcal.lu\/fr\/e-learning\/” button_text=”DISCOVER THE TRAINING CALENDAR” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_orientation=”right” global_colors_info=”{}”]<\/p>\n

Offers<\/h3>\n

APCAL organises working groups on topics specific to brokers and offers mutualised solutions<\/p>\n

APCAL sets up – with the support of legal advisors – support documentation sets or guides in relation to regulations. <\/p>\n

APCAL organises ad hoc training on current legal issues.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI2NzgifX0=@” button_text=”SEE OUR OFFERS” button_alignment=”right” _builder_version=”4.16″ _dynamic_attributes=”button_url” _module_preset=”default” custom_button=”on” button_bg_color=”#C2974C” button_use_icon=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2021\/06\/APCAL-association.jpg” alt=”Apcal Association” _builder_version=”4.16″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” border_width_all=”1px” border_color_all=”#cecece” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” min_height=”46.3px” global_colors_info=”{}”]<\/p>\n

APCAL NEWS<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blog fullwidth=”off” posts_number=”3″ include_categories=”89,5″ show_author=”off” show_date=”off” show_excerpt=”off” show_pagination=”off” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Magazine” _builder_version=”4.16″ _module_preset=”default” background_color=”rgba(120,134,162,0.1)” custom_margin=”75px||75px||false|false” custom_padding=”||||false|false” bottom_divider_color=”rgba(100,101,102,0.14)” bottom_divider_height=”80px” bottom_divider_repeat=”1x” bottom_divider_arrangement=”above_content” border_width_top=”1px” border_color_top=”rgba(194,151,76,0.2)” border_width_bottom=”1px” border_color_bottom=”rgba(194,151,76,0.2)” collapsed=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” header_2_text_align=”center” global_colors_info=”{}”]<\/p>\n

APCAL Magazines<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_portfolio fullwidth=”off” posts_number=”4″ include_categories=”2″ show_categories=”off” show_pagination=”off” _builder_version=”4.18.0″ _module_preset=”default” title_text_align=”center” title_font_size=”16px” title_line_height=”2em” background_color=”#FFFFFF” custom_padding=”||||false|false” border_width_all=”1px” border_color_all=”rgba(100,101,102,0.25)” global_colors_info=”{}”][\/et_pb_portfolio][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjU3OCJ9fQ==@” button_text=”DISCOVER ALL OUR MAGAZINES” button_alignment=”center” _builder_version=”4.16″ _dynamic_attributes=”button_url” _module_preset=”default” custom_button=”on” button_bg_color=”#C2974C” button_use_icon=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” global_module=”7157″ saved_tabs=”all” global_colors_info=”{}”][et_pb_row _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Sponsors Platinium” _builder_version=”4.20.4″ _module_preset=”default” header_3_font=”|600|||||||” header_3_text_align=”center” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}”]<\/p>\n

Sponsors Platinum<\/h3>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ admin_label=”Partners” _builder_version=”4.17.3″ _module_preset=”default” module_alignment=”center” custom_margin=”10px||70px||false|false” custom_padding=”40px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2023\/03\/bil.png” alt=”Bil” url=”https:\/\/www.bil.com\/fr\/” align=”center” admin_label=”Bil” _builder_version=”4.20.4″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/cardif-lux-vie.png” alt=”Logo” url=”https:\/\/cardifluxvie.com” align=”center” admin_label=”Cardif” _builder_version=”4.20.4″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/foyer.png” alt=”Logo” url=”https:\/\/www.foyer.lu\/” align=”center” admin_label=”Foyer” _builder_version=”4.24.2″ _module_preset=”default” width=”70%” module_alignment=”center” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ admin_label=”Partners” _builder_version=”4.17.3″ _module_preset=”default” module_alignment=”center” custom_margin=”10px||70px||false|false” custom_padding=”40px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2023\/09\/sogelife.png” alt=”Sogelife 2023″ url=”https:\/\/www.sogelife.com\/fr\/” align=”center” admin_label=”Sogelife” _builder_version=”4.20.4″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2024\/01\/swiss-life.png” alt=”Swiss Life” url=”https:\/\/www.swisslife-global.com\/global-solutions.html” align=”center” admin_label=”Swiss” _builder_version=”4.27.4″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” module_alignment=”center” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Gold” _builder_version=”4.16″ _module_preset=”default” header_3_font=”|600|||||||” header_3_text_align=”center” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}”]<\/p>\n

Sponsors Gold<\/h3>\n

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Sponsors Silver<\/h3>\n

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_builder_version=”4.27.4″ _module_preset=”default” width=”70%” module_alignment=”center” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2025\/08\/vitislife.png” alt=”vitislife” url=”https:\/\/www.vitislife.com\/” align=”center” admin_label=”Kpmg” _builder_version=”4.27.4″ _module_preset=”default” width=”70%” module_alignment=”center” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

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