{"id":15832,"date":"2025-11-20T17:29:31","date_gmt":"2025-11-20T16:29:31","guid":{"rendered":"https:\/\/apcal.lu\/?p=15832"},"modified":"2025-11-20T17:29:42","modified_gmt":"2025-11-20T16:29:42","slug":"the-green-industry-act-implications-for-insurance-distributors-in-luxembourg","status":"publish","type":"post","link":"https:\/\/apcal.lu\/en\/the-green-industry-act-implications-for-insurance-distributors-in-luxembourg\/","title":{"rendered":"The Green Industry Act \u2013 Implications for Insurance Distributors in Luxembourg"},"content":{"rendered":"

[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” 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

THE GREEN INDUSTRY ACT AND ITS IMPACT ON INSURANCE DISTRIBUTORS IN LUXEMBOURG<\/h2>\n

[\/et_pb_text][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-18-143920.png” title_text=”Capture d\u2019\u00e9cran 2025-11-18 143920″ align=”center” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|off” _builder_version=”4.27.4″ _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 disabled_on=”off|off|off” admin_label=”Qu’est ce que le rapport SFCR” _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

The Green Industry Act (Law No. 2023-973 of 23\/10\/2023)<\/strong>, adopted in France to support low-carbon reindustrialisation, introduces new obligations for insurance distributors, including those based in Luxembourg. Whenever a client is a French tax resident, the Luxembourg distributor falls within the scope of French regulation<\/strong>, under the supervision of the Prudential Control and Resolution Authority (ACPR<\/strong>).<\/p>\n

[\/et_pb_text][et_pb_text disabled_on=”off|off|off” admin_label=”Deux rapport deux finalit\u00e9s” _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

An ACPR competency<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” disabled_on=”off|off|off” _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|||||” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

It applies as soon as a client is a tax resident in France, regardless of where the distributor is based. This means that Luxembourg brokers must incorporate the requirements of the Green Industry Act into their advisory practices, documentation, and product offering.<\/strong><\/p>\n

[\/et_pb_text][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-18-150754.png” title_text=”Capture d\u2019\u00e9cran 2025-11-18 150754″ align=”center” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text disabled_on=”off|off|off” admin_label=”Un contenu structur\u00e9 et technique” _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

Enhanced ESG advisory duty<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” disabled_on=”off|off|off” _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

<\/span>The law requires an adaptation of the advisory<\/strong> duty to incorporate the sustainability preferences of clients who are tax residents in France. This includes :<\/p>\n

    \n
  • Presenting the provisions of the Green Industry Act prior to subscription<\/li>\n
  • Collecting ESG (sustainability) information, including labelled sustainability preferences, as well as the client\u2019s family, professional and financial situation; investment and performance objectives; risk appetite and loss-bearing capacity; and financial knowledge and experience.\n<\/li>\n
  • Enhanced traceability: storing records on a durable medium (with automated tools recommended), providing written justification of the advice given, and updating the information in the event of any significant change.<\/li>\n<\/ul>\n

    The data collection framework is specified in Annex 1 of ACPR Recommendation 2024-R-03.<\/strong><\/p>\n

    [\/et_pb_text][et_pb_text disabled_on=”off|off|off” admin_label=” Modalit\u00e9s de publication et d\u2019accessibilit\u00e9” _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

    Long-term advice: an ongoing responsibility.<\/h2>\n

    [\/et_pb_text][et_pb_text ul_item_indent=”40px” disabled_on=”off|off|off” admin_label=”Texte” _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

    Long-term advice: an ongoing responsibility.<\/p>\n

      \n
    • Every two years<\/strong> for contracts with personalized advice (IBIPs).\n

      <\/li>\n

    • Every for years<\/strong> for others<\/li>\n
    • At each significant event<\/strong> in the client\u2019s life (changes in family, professional, or financial situation, or in investment objectives).<\/li>\n<\/ul>\n

      This requirement entails a structured client monitoring system, with tools to detect changes, prompt updates, and document every step of the advisory process.<\/p>\n

      [\/et_pb_text][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-18-151206.png” title_text=”Capture d\u2019\u00e9cran 2025-11-18 151206″ align=”center” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text disabled_on=”off|off|off” admin_label=”Une port\u00e9e politique et p\u00e9dagogique croissante” _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

      KEY DEADLINES TO ANTICIPATE<\/p>\n

      <\/h2>\n

      [\/et_pb_text][et_pb_text ul_item_indent=”40px” disabled_on=”off|off|off” admin_label=”Texte” _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

      Three key dates structure the implementation:<\/p>\n

        \n
      • December 31<\/strong>, 2025: effective date for new subscriptions.<\/li>\n
      • October 23, 2026: remediation of the existing portfolio for IBIPs and personalized advice.\n

        <\/li>\n

      • October 23, 2028<\/strong>: remediation of all other contracts (entire portfolio).<\/li>\n<\/ul>\n

        [\/et_pb_text][et_pb_text disabled_on=”off|off|off” admin_label=”Un outil strat\u00e9gique pour les distributeurs” _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

        A PRODUCT OFFERING TO ADAPT<\/p>\n

        <\/h2>\n

        [\/et_pb_text][et_pb_text ul_item_indent=”40px” disabled_on=”off|off|off” _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

        The law requires an adaptation of the advisory duty to incorporate the sustainability preferences of clients who are tax residents in France. Indeed, since January 1, 2024<\/strong>, every life insurance contract must offer at least one labelled unit-linked fund<\/strong> (examples: SRI, Greenfin). What about foreign insurers operating under LPS in France?<\/p>\n

        If the client expresses a confirmed interest and no \u2018Green Industry\u2019 labelled product is available in the existing contract, it is necessary to adequately address the client\u2019s needs and requirements outside of the current situation. <\/strong><\/p>\n

        [\/et_pb_text][et_pb_text disabled_on=”off|off|off” 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” hover_enabled=”0″ border_color_bottom=”#7886A2″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

        WHAT ABOUT NON-LIFE INSURANCE CONTRACTS?<\/h2>\n

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        The ACPR recommendation specifies that the ESG advisory duty also applies to non-life insurance contracts (auto, home, health, etc.).<\/strong> This includes taking into account clients\u2019 sustainability preferences, as well as exercising particular care to avoid overlapping coverage or double insurance situations.<\/p>\n

        [\/et_pb_text][et_pb_text disabled_on=”off|off|off” 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

        SFDR VS GREEN INDUSTRY\/ TWO FRAMEWORKS TO ALIGN<\/h2>\n

        [\/et_pb_text][et_pb_text ul_item_indent=”40px” disabled_on=”off|off|off” _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

        The European Sustainable Finance Disclosure Regulation (SFDR) requires transparency on the ESG characteristics of products but does not constitute a label. In contrast, the Green Industry Act follows a prescriptive approach, with labels recognized by the French state. A product may fall under both frameworks, but only the French label ensures compliance with the Green Industry Act.<\/strong><\/p>\n

        [\/et_pb_text][et_pb_text disabled_on=”off|off|off” 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

        THE LABELING PROCESS<\/p>\n

        <\/h2>\n

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        In France, the \u2018Green Industry\u2019 label is obtained through a certification process with an independent specialized organization, such as the AFNOR Group, with mandatory renewal every four years.<\/p>\n

        [\/et_pb_text][et_pb_text disabled_on=”off|off|off” 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” hover_enabled=”0″ border_color_bottom=”#7886A2″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

        SANCTIONS FOR NON-COMPLIANT DISTRIBUTION<\/h2>\n

        [\/et_pb_text][et_pb_text ul_item_indent=”40px” disabled_on=”off|off|off” _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

        Under the French Monetary and Financial Code, Article L612-39<\/em>, the ACPR may impose:<\/p>\n

          \n
        • Disciplinary sanctions<\/strong> (reprimand, ban from practicing, withdrawal of license).<\/li>\n
        • Financial penalties<\/strong> of up to \u20ac100 million or 10% of annual turnover.\n

          <\/li>\n<\/ul>\n

          [\/et_pb_text][et_pb_text disabled_on=”off|off|off” 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” hover_enabled=”0″ border_color_bottom=”#7886A2″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

          CONCLUSION: A TRANSFORMATION TO ANTICIPATE<\/h2>\n

          [\/et_pb_text][et_pb_text ul_item_indent=”40px” disabled_on=”off|off|off” _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

          For Luxembourg distributors, the Green Industry Act turns ESG advisory into a strategic asset: it imposes higher standards while paving the way for a differentiated offering that can attract clients seeking transparency and sustainable solutions.<\/p>\n

          Lorenzo STIPULANTE, Flora MILCAN, EY Luxembourg<\/strong><\/p>\n

          [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ admin_label=”ID Entreprise” _builder_version=”4.27.4″ _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\/2023\/12\/Lorenzo-Stipulante-3-jpg.jpg” alt=”Bert Bouton” title_text=”Lorenzo Stipulante 3 jpg” align=”right” 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

          Lorenzo Stipulante<\/strong><\/p>\n

          Partner Regulatory & FinCrime<\/p>\n

          Ernst & Young S.A.<\/p>\n

          [\/et_pb_text][et_pb_social_media_follow disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”default” text_orientation=”center” global_colors_info=”{}”][et_pb_social_media_follow_network social_network=”linkedin” url=”https:\/\/www.linkedin.com\/in\/lorenzo-stipulante\/” _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_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-18-154736.png” alt=”Bert Bouton” title_text=”Capture d\u2019\u00e9cran 2025-11-18 154736″ align=”right” 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

          Flora Milcan<\/strong><\/p>\n

          Senior Regulatory & FinCrime<\/p>\n

          Ernst & Young S.A.<\/p>\n

          [\/et_pb_text][et_pb_social_media_follow disabled_on=”off|off|off” _builder_version=”4.27.4″ _module_preset=”default” text_orientation=”center” global_colors_info=”{}”][et_pb_social_media_follow_network social_network=”linkedin” url=”https:\/\/www.linkedin.com\/in\/flora-milcan-5530a5153\/” _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

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          Sponsors Gold<\/strong><\/h4>\n

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

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          Under the Green Industry Act, Luxembourg-based insurance distributors advising clients who are French residents must comply with strengthened requirements. These include integrating ESG preferences into advice, ensuring greater traceability, maintaining ongoing client monitoring, and offering products carrying the \u2018Green Industry\u2019 label. 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