{"id":12147,"date":"2024-08-20T12:01:47","date_gmt":"2024-08-20T10:01:47","guid":{"rendered":"https:\/\/apcal.lu\/?p=12147"},"modified":"2025-02-16T20:45:23","modified_gmt":"2025-02-16T19:45:23","slug":"insolvency-of-fwu-luxembourg-the-luxembourg-framework-tested","status":"publish","type":"post","link":"https:\/\/apcal.lu\/en\/insolvency-of-fwu-luxembourg-the-luxembourg-framework-tested\/","title":{"rendered":"Insolvency of FWU Luxembourg: The Luxembourg Framework Tested"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;H1 &#8211; titre du post&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; header_text_color=&#8221;#55547D&#8221; header_line_height=&#8221;1.2em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Insolvency of FWU Luxembourg: The Luxembourg Framework Tested<\/h1>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/apcal.lu\/wp-content\/uploads\/2024\/08\/Photo-triange.jpg&#8221; alt=&#8221;Lifepartners et la finance durable&#8221; title_text=&#8221;Photo triange&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;899.7px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text ul_item_indent=&#8221;40px&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; ul_font=&#8221;||||||||&#8221; quote_font=&#8221;||on||||||&#8221; quote_text_color=&#8221;#55547D&#8221; quote_font_size=&#8221;16px&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;|||on|||||&#8221; header_2_line_height=&#8221;2em&#8221; header_3_text_color=&#8221;#C2974C&#8221; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||40px||false|false&#8221; border_color_bottom=&#8221;#7886A2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>The Luxembourg insurance sector is in the spotlight following the insolvency of FWU Life Insurance Luxembourg S.A., a subsidiary of the German FWU Group. <\/strong><\/p>\n<p><strong>This event highlights the robustness of the protection mechanisms in place in the Grand Duchy, notably the renowned &#8216;security triangle.&#8217; This mechanism proves crucial for safeguarding the interests of clients in the face of an insurer&#8217;s financial difficulties.  <\/strong><strong><\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;L&#8217;Intervention du Commissariat aux Assurances (CAA)&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;|||on|||||&#8221; header_2_text_color=&#8221;#C2974C&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_text_color=&#8221;#C2974C&#8221; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||20px||false|false&#8221; border_color_bottom=&#8221;#7886A2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>The Intervention of the Commissariat aux Assurances (CAA)<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=&#8221;40px&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; ul_font=&#8221;||||||||&#8221; quote_font=&#8221;||on||||||&#8221; quote_text_color=&#8221;#55547D&#8221; quote_font_size=&#8221;16px&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;|||on|||||&#8221; header_2_line_height=&#8221;2em&#8221; header_3_text_color=&#8221;#C2974C&#8221; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||40px||false|false&#8221; custom_padding=&#8221;1px|||||&#8221; border_color_bottom=&#8221;#7886A2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>On <strong>July 19, 2024<\/strong>, FWU Life Insurance Lux S.A. informed the Insurance Commission (CAA) that it <strong>no longer met the required solvency capital requirements (SCR) and minimum capital requirements (MCR)<\/strong>. In response, the CAA immediately took measures to protect policyholders&#8217; assets.<\/p>\n<ul>\n<li>On J<strong>uly 23, 2024<\/strong>, the Management Committee of the CAA decided to <strong>activate one of the mechanisms of the &#8216;security triangle.&#8217;<\/strong> This activation led to the blocking of the technical provision assets held by the depositary institutions. This measure aims to ensure the &#8216;<strong>super-priority,&#8217;<\/strong> which gives policyholders and beneficiaries precedence over all other creditors in the event of the company&#8217;s bankruptcy.  <\/li>\n<li>On <strong>August 2, 2024<\/strong>, the Luxembourg District Court granted FWU Life Insurance Lux S.A.&#8217;s request for a suspension of payments for a maximum period of six months.<\/li>\n<\/ul>\n<p>These two measures have immediate and significant effects on the insurer&#8217;s operations.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Les Cons\u00e9quences des Mesures Prises&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;|||on|||||&#8221; header_2_text_color=&#8221;#C2974C&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_text_color=&#8221;#C2974C&#8221; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||20px||false|false&#8221; border_color_bottom=&#8221;#7886A2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>The Consequences of the Measures Taken<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=&#8221;40px&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; ul_font=&#8221;||||||||&#8221; quote_font=&#8221;||on||||||&#8221; quote_text_color=&#8221;#55547D&#8221; quote_font_size=&#8221;16px&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;|||on|||||&#8221; header_2_line_height=&#8221;2em&#8221; header_3_text_color=&#8221;#C2974C&#8221; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||40px||false|false&#8221; border_color_bottom=&#8221;#7886A2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><a href=\"https:\/\/www.sogelife.com\/fr\/\"><\/a><\/p>\n<p>The combined measures of the CAA and the court primarily aim to <strong>protect the rights and claims of policyholders and beneficiaries.<\/strong> Their immediate effect is to: <\/p>\n<ul>\n<li>Temporarily suspend any new insurance contract subscriptions.<\/li>\n<li>Temporarily suspend all payments of benefits provided for by the insurance contracts.<\/li>\n<li>Impose a freeze on FWU Life Insurance Lux S.A.&#8217;s accounts.<\/li>\n<\/ul>\n<p>These actions ensure that the assets in the frozen accounts will be used exclusively to cover the obligations arising from the active insurance contracts, thus <strong>providing optimal protection for clients against the insurer&#8217;s financial risks.<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;La R\u00e9action du CAA, de l\u2019ACA et les Proc\u00e9dures en Cours&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;|||on|||||&#8221; header_2_text_color=&#8221;#C2974C&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_text_color=&#8221;#C2974C&#8221; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||20px||false|false&#8221; border_color_bottom=&#8221;#7886A2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Reactions of the CAA, the ACA, and Ongoing Procedures<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=&#8221;40px&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; ul_font=&#8221;||||||||&#8221; quote_font=&#8221;||on||||||&#8221; quote_text_color=&#8221;#55547D&#8221; quote_font_size=&#8221;16px&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;|||on|||||&#8221; header_2_line_height=&#8221;2em&#8221; header_3_text_color=&#8221;#C2974C&#8221; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||40px||false|false&#8221; border_color_bottom=&#8221;#7886A2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>For any questions, the <strong>CAA<\/strong> has set up a <strong>dedicated <a href=\"https:\/\/www.caa.lu\/fr\/consommateurs\/insolvabilite-de-fwu-life-insurance-lux-sa\">webpage<\/a> and email address<\/strong>: <a href=\"mailto:QA_FWULife@caa.lu\"><strong>QA_FWULife@caa.lu<\/strong><\/a>. Policyholders and beneficiaries can thus obtain clear and prompt answers regarding their rights and the protection measures in place. <\/p>\n<p>The Association of Insurance and Reinsurance Companies of the Grand Duchy of Luxembourg (ACA) has also sought to clarify the ongoing procedures and remind stakeholders of the security triangle mechanisms and policyholder privilege. According to the ACA, these measures are primarily aimed at protecting policyholders and maintaining the stability of the insurance market in Luxembourg. The ACA emphasizes that <strong>the &#8216;security triangle&#8217; and policyholder privilege are fundamental elements of the Luxembourg regulatory framework, providing enhanced protection for policyholders.<\/strong>  <\/p>\n<p>You can consult the ACA&#8217;s FAQ on the topic: &#8220;<strong><a href=\"https:\/\/www.aca.lu\/wp-content\/uploads\/2022\/06\/Triangle-QA-nouvelle-legislation-FR.pdf\">Questions\/Answers: the \u2018Security Triangle\u2019 and the Law of August 10, 2018.<\/a><\/strong>&#8220;<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Conclusion&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;|||on|||||&#8221; header_2_text_color=&#8221;#C2974C&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_text_color=&#8221;#C2974C&#8221; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||20px||false|false&#8221; border_color_bottom=&#8221;#7886A2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Conclusion<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=&#8221;40px&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;1.8em&#8221; ul_font=&#8221;||||||||&#8221; quote_font=&#8221;||on||||||&#8221; quote_text_color=&#8221;#55547D&#8221; quote_font_size=&#8221;16px&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;|||on|||||&#8221; header_2_line_height=&#8221;2em&#8221; header_3_text_color=&#8221;#C2974C&#8221; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||40px||false|false&#8221; border_color_bottom=&#8221;#7886A2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>The FWU Life Insurance Lux S.A. case demonstrates the robustness of the Luxembourg regulatory framework and the effectiveness of the &#8216;security triangle&#8217; in protecting clients.<\/p>\n<p>Although FWU&#8217;s situation is concerning, <strong>the measures taken by the CAA and the existing protection mechanisms show that policyholders can rely on a robust system to secure their assets, even during a crisis.<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px|0px|0px|0px|false|false&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text admin_label=&#8221;Platinium&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;|600|||||||&#8221; header_3_text_align=&#8221;center&#8221; custom_margin=&#8221;0px|0px|0px|0px|false|false&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h3>Sponsor Platinium<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; admin_label=&#8221;Partenaires&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;10px||70px||false|false&#8221; custom_padding=&#8221;40px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/apcal.lu\/wp-content\/uploads\/2023\/03\/bil.png&#8221; alt=&#8221;Bil&#8221; title_text=&#8221;sogelife-25&#8243; url=&#8221;https:\/\/www.bil.com\/fr\/Pages\/index.aspx&#8221; align=&#8221;center&#8221; admin_label=&#8221;bil&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/cardif-lux-vie.png&#8221; alt=&#8221;cardif lux vie&#8221; title_text=&#8221;sogelife-25&#8243; url=&#8221;https:\/\/cardifluxvie.com\/fr\/&#8221; align=&#8221;center&#8221; admin_label=&#8221;cardif&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; admin_label=&#8221;Partenaires&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;10px||70px||false|false&#8221; custom_padding=&#8221;40px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/lombard-international-assurance.png&#8221; alt=&#8221;lombard international assurance&#8221; title_text=&#8221;sogelife-25&#8243; url=&#8221;https:\/\/www.lombardinternational.com\/&#8221; align=&#8221;center&#8221; admin_label=&#8221;lombard&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/apcal.lu\/wp-content\/uploads\/2023\/09\/sogelife.png&#8221; alt=&#8221;Sogelife 2023&#8243; title_text=&#8221;sogelife-25&#8243; url=&#8221;https:\/\/www.sogelife.com\/fr\/&#8221; align=&#8221;center&#8221; admin_label=&#8221;sogelife&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; 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_module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/apcal.lu\/wp-content\/uploads\/2024\/08\/info-data.png&#8221; alt=&#8221;infidata&#8221; url=&#8221;https:\/\/www.infodata-group.eu\/&#8221; align=&#8221;center&#8221; admin_label=&#8221;infodata&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text admin_label=&#8221;Silver&#8221; 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global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/apcal.lu\/wp-content\/uploads\/2024\/08\/custy.png&#8221; alt=&#8221;Custy&#8221; title_text=&#8221;kpmg&#8221; url=&#8221;https:\/\/www.custy.com\/&#8221; align=&#8221;center&#8221; admin_label=&#8221;custy&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; width=&#8221;70%&#8221; module_alignment=&#8221;center&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; box_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; 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The measures taken by the Insurance Commission and the court ensure that client claims are prioritized in the face of the insurer&#8217;s financial difficulties. <\/p>\n","protected":false},"author":156,"featured_media":3940,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-12147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insolvency of FWU Luxembourg: The Luxembourg Framework Tested - Apcal<\/title>\n<meta name=\"description\" content=\"Discover how the security triangle protects policyholders in the event of FWU Life Insurance Luxembourg S.A.&#039;s insolvency, under the supervision of the Insurance Commission.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/apcal.lu\/en\/insolvency-of-fwu-luxembourg-the-luxembourg-framework-tested\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insolvency of FWU Luxembourg: The Luxembourg Framework Tested - Apcal\" \/>\n<meta property=\"og:description\" content=\"Discover how the security triangle protects policyholders in the event of FWU Life Insurance Luxembourg S.A.&#039;s insolvency, under the supervision of the Insurance Commission.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/apcal.lu\/en\/insolvency-of-fwu-luxembourg-the-luxembourg-framework-tested\/\" \/>\n<meta property=\"og:site_name\" content=\"Apcal\" \/>\n<meta property=\"article:published_time\" content=\"2024-08-20T10:01:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-16T19:45:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"593\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Val\u00e9rie Pierre\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Val\u00e9rie Pierre\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/apcal.lu\/en\/insolvency-of-fwu-luxembourg-the-luxembourg-framework-tested\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/apcal.lu\/en\/insolvency-of-fwu-luxembourg-the-luxembourg-framework-tested\/\"},\"author\":{\"name\":\"Val\u00e9rie Pierre\",\"@id\":\"https:\/\/apcal.lu\/fr\/#\/schema\/person\/078c317aaf69a53a0d76ccc89b6abe52\"},\"headline\":\"Insolvency of FWU Luxembourg: The Luxembourg Framework Tested\",\"datePublished\":\"2024-08-20T10:01:47+00:00\",\"dateModified\":\"2025-02-16T19:45:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/apcal.lu\/en\/insolvency-of-fwu-luxembourg-the-luxembourg-framework-tested\/\"},\"wordCount\":3477,\"image\":{\"@id\":\"https:\/\/apcal.lu\/en\/insolvency-of-fwu-luxembourg-the-luxembourg-framework-tested\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png\",\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/apcal.lu\/en\/insolvency-of-fwu-luxembourg-the-luxembourg-framework-tested\/\",\"url\":\"https:\/\/apcal.lu\/en\/insolvency-of-fwu-luxembourg-the-luxembourg-framework-tested\/\",\"name\":\"Insolvency of FWU Luxembourg: The Luxembourg Framework Tested - 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