{"id":13688,"date":"2025-03-11T16:56:36","date_gmt":"2025-03-11T15:56:36","guid":{"rendered":"https:\/\/apcal.lu\/?p=13688"},"modified":"2025-03-11T17:06:19","modified_gmt":"2025-03-11T16:06:19","slug":"periodic-report-on-ibip","status":"publish","type":"post","link":"https:\/\/apcal.lu\/en\/periodic-report-on-ibip\/","title":{"rendered":"Periodic report on IBIP"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” 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 admin_label=”H1 – titre du post” _builder_version=”4.27.4″ _module_preset=”default” header_text_color=”#55547D” header_line_height=”1.2em” global_colors_info=”{}”]<\/p>\n

Periodic report on IBIPs: an exclusive interview with Paula Leite from Vinceo Solutions<\/h2>\n

[\/et_pb_text][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2025\/01\/Capture-decran-2025-01-28-205843.png” alt=”Lifepartners et la finance durable” title_text=”Capture d\u2019\u00e9cran 2025-01-28 205843″ align=”center” _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|off” _builder_version=”4.16″ _module_preset=”default” min_height=”899.7px” custom_margin=”||0px||false|false” custom_padding=”||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 ul_item_indent=”40px” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” ul_font=”||||||||” quote_font=”||on||||||” quote_text_color=”#55547D” quote_font_size=”16px” header_font=”||||||||” header_2_font=”|||on|||||” header_2_line_height=”2em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||40px||false|false” hover_enabled=”0″ border_color_bottom=”#7886A2″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

The regulatory requirements for Insurance-Based Investment Products (IBIPs) are constantly evolving. These products, at the heart of the insurance sector, impose strict requirements in terms of transparency and monitoring. To better understand the implications of these obligations, we interviewed Paula Leite, Managing Partner at VINCEO SOLUTIONS<\/strong>, who recently published an in-depth analysis on the subject.<\/p>\n

For readers wishing to delve deeper into the subject, Paula’s full article is available at the end of our interview.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”L’Intervention du Commissariat aux Assurances (CAA)” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

Paula, what are IBIPs and why do they require periodic reporting?<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” ul_font=”||||||||” quote_font=”||on||||||” quote_text_color=”#55547D” quote_font_size=”16px” header_font=”||||||||” header_2_font=”|||on|||||” header_2_line_height=”2em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||40px||false|false” custom_padding=”1px|||||” hover_enabled=”0″ border_color_bottom=”#7886A2″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

An IBIP, or Insurance-Based Investment Product, is an insurance product that is exposed, directly or indirectly, to market fluctuations. This includes unit-linked life insurance policies. Because of their complexity, these products require rigorous monitoring. The periodic report is intended to guarantee total transparency for customers and to provide an accurate account of transactions, associated costs and services rendered.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Les Cons\u00e9quences des Mesures Prises” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” hover_enabled=”0″ border_color_bottom=”#7886A2″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

What should Luxembourg insurance intermediaries bear in mind?<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” ul_font=”||||||||” quote_font=”||on||||||” quote_text_color=”#55547D” quote_font_size=”16px” header_font=”||||||||” header_2_font=”|||on|||||” header_2_line_height=”2em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||40px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

Intermediaries must provide this report at least once a year on a durable medium, such as paper or electronically. They must include key information, such as transactions carried out, services provided, associated costs and the value of the underlying assets. If a periodic assessment of the product’s suitability is planned, the report must also demonstrate how the product meets the customer’s preferences and objectives.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”La R\u00e9action du CAA, de l\u2019ACA et les Proc\u00e9dures en Cours” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

Is this requirement the same in all EU countries?<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” ul_font=”||||||||” quote_font=”||on||||||” quote_text_color=”#55547D” quote_font_size=”16px” header_font=”||||||||” header_2_font=”|||on|||||” header_2_line_height=”2em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||40px||false|false” hover_enabled=”0″ border_color_bottom=”#7886A2″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Not exactly. Although the IDD directive harmonises certain rules at European level, each Member State can introduce specific national features. For example, in Belgium, \u2018branch 21\u2019 type products without profit-sharing are considered IBIPs. Intermediaries operating internationally must therefore comply with local and European regulations.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Conclusion” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

How can the periodic report go beyond a simple regulatory obligation?<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” ul_font=”||||||||” quote_font=”||on||||||” quote_text_color=”#55547D” quote_font_size=”16px” header_font=”||||||||” header_2_font=”|||on|||||” header_2_line_height=”2em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||40px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

It can become a real loyalty-building tool. By adding elements such as personalised advice, updates on market trends or tax reminders, intermediaries show that they really care about their customers. It’s also an opportunity to consolidate the relationship by offering a global view of the contracts taken out.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Conclusion” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

What practical advice would you give to intermediaries?<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” ul_font=”||||||||” quote_font=”||on||||||” quote_text_color=”#55547D” quote_font_size=”16px” header_font=”||||||||” header_2_font=”|||on|||||” header_2_line_height=”2em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||40px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

I recommend working closely with insurers to ensure that you have the information you need to draw up the report. Also remember to structure the document clearly and concisely so that it can be understood by customers, even for complex products.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Conclusion” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

SUPPORT FOR APCAL MEMBERS<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” _builder_version=”4.27.4″ _module_preset=”default” text_line_height=”1.8em” ul_font=”||||||||” quote_font=”||on||||||” quote_text_color=”#55547D” quote_font_size=”16px” header_font=”||||||||” header_2_font=”|||on|||||” header_2_line_height=”2em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||40px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

In order to help its members meet this obligation while saving time, APCAL is providing a model periodic report<\/strong><\/b> free of charge. This document has been designed to comply with Luxembourg regulatory requirements while remaining adaptable to each situation.<\/p>\n

To find out more on this subject, we also invite you to consult Paula Leite’s full article, available here:<\/strong> <\/u><\/b>read the article<\/strong><\/u><\/b><\/a>, which provides a detailed analysis and practical advice for professionals in the sector.<\/p>\n

For more information, don’t hesitate to contact the APCAL at info@apcal.lu<\/strong><\/b><\/a> <\/b>!<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”ID Entreprise” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2025\/01\/Capture-decran-2025-01-28-194636.png” alt=”Lifepartners” title_text=”Capture d\u2019\u00e9cran 2025-01-28 194636″ disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text ul_type=”none” disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Paula Leite<\/strong><\/b><\/a> <\/b>is Managing Partner and consultant at VINCEO SOLUTIONS <\/strong><\/b><\/a>S.A., a consultancy firm incorporated under Luxembourg law that provides tailored consulting and training services to professionals in the insurance sector (insurers and insurance intermediaries).<\/p>\n

Before setting up VINCEO SOLUTIONS in May 2020, she held a number of different positions with a number of Luxembourg-based insurers, notably in product development, business development and wealth planning, as well as in strategic and operational marketing.<\/p>\n

Paula has been working in the Luxembourg life insurance industry since 1998. Drawing on her extensive experience, she now works on issues relating to product and market development, the development of the product and service offering, regulatory compliance, marketing & communication and the optimisation of operational processes.<\/p>\n

[\/et_pb_text][et_pb_social_media_follow disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_social_media_follow_network social_network=”linkedin” url=”https:\/\/www.linkedin.com\/in\/paula-leite-841389141\/” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#007bb6″ global_colors_info=”{}” follow_button=”off” url_new_window=”on”]linkedin[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” saved_tabs=”all” locked=”off” 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=”4.24.2″ _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_2,1_2″ admin_label=”Partners .” _builder_version=”4.20.4″ _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\/03\/bil.png” alt=”Bil” url=”https:\/\/www.bil.com\/fr\/Pages\/index.aspx” align=”center” admin_label=”BIL” _builder_version=”4.24.2″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/lombard-international-assurance.png” alt=”Logo” url=”https:\/\/www.lombardinternational.com\/” align=”center” admin_label=”Lombard” _builder_version=”4.24.2″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][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=”swisslife” _builder_version=”4.24.2″ _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=”4.16″ _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\/fr\/” align=”center” admin_label=”Cardif” _builder_version=”4.24.2″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][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=”4.24.2″ _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=”4.20.4″ _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 Gold<\/strong><\/h4>\n

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Sponsors Silver<\/strong><\/h3>\n

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Periodic report on IBIPs: what you really need to know!
\nInsurance-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?
\nIn 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.<\/p>\n","protected":false},"author":156,"featured_media":13399,"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-13688","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en"],"yoast_head":"\nPeriodic report on IBIP - Apcal<\/title>\n<meta name=\"description\" content=\"The regulatory requirements for Insurance-Based Investment Products (IBIPs) are constantly evolving. These products, at the heart of the insurance sector, impose strict requirements in terms of transparency and monitoring. To better understand the implications of these obligations, we interviewed Paula Leite, Managing Partner at VINCEO SOLUTIONS, who recently published an in-depth analysis on the subject.\" \/>\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\/periodic-report-on-ibip\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Periodic report on IBIP - Apcal\" \/>\n<meta property=\"og:description\" content=\"The regulatory requirements for Insurance-Based Investment Products (IBIPs) are constantly evolving. These products, at the heart of the insurance sector, impose strict requirements in terms of transparency and monitoring. 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