{"id":12146,"date":"2024-08-14T17:14:58","date_gmt":"2024-08-14T15:14:58","guid":{"rendered":"https:\/\/apcal.lu\/?p=12146"},"modified":"2024-09-23T18:16:30","modified_gmt":"2024-09-23T16:16:30","slug":"insolvabilite-de-fwu-luxembourg-le-cadre-luxembourgeois-a-lepreuve-2","status":"publish","type":"post","link":"https:\/\/apcal.lu\/fr\/insolvabilite-de-fwu-luxembourg-le-cadre-luxembourgeois-a-lepreuve-2\/","title":{"rendered":"Insolvabilit\u00e9 de FWU Luxembourg : Le Cadre Luxembourgeois \u00e0 l&rsquo;\u00c9preuve"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbH1 &#8211; titre du post\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_text_color=\u00a0\u00bb#55547D\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h1>Insolvabilit\u00e9 de FWU Luxembourg : Le Cadre Luxembourgeois \u00e0 l&rsquo;\u00c9preuve<\/h1>\n<p>[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2024\/08\/Photo-triange.jpg\u00a0\u00bb alt=\u00a0\u00bbLifepartners et la finance durable\u00a0\u00bb title_text=\u00a0\u00bbPhoto triange\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb min_height=\u00a0\u00bb899.7px\u00a0\u00bb custom_margin=\u00a0\u00bb||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>Le secteur des assurances luxembourgeois est sous le feu des projecteurs suite \u00e0 l&rsquo;insolvabilit\u00e9 de FWU Life Insurance Luxembourg S.A., une filiale du groupe allemand FWU. <\/strong><\/p>\n<p><strong>Cet \u00e9v\u00e9nement met en lumi\u00e8re la solidit\u00e9 des m\u00e9canismes de protection en place au Grand-Duch\u00e9, notamment le fameux \u00ab triangle de s\u00e9curit\u00e9 \u00bb. Ce dernier s&rsquo;av\u00e8re crucial pour prot\u00e9ger les int\u00e9r\u00eats des clients face aux difficult\u00e9s financi\u00e8res d&rsquo;un assureur. <\/strong><strong><\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbL&rsquo;Intervention du Commissariat aux Assurances (CAA)\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>L&rsquo;Intervention du Commissariat aux Assurances (CAA)<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb1px|||||\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Le <strong>19 juillet 2024<\/strong>, FWU Life Insurance Lux S.A. a inform\u00e9 le Commissariat aux Assurances (CAA) qu&rsquo;elle <strong>ne satisfaisait plus aux exigences de capital de solvabilit\u00e9 requis (SCR) et de minimum de capital requis (MCR).<\/strong> En r\u00e9ponse, le CAA a imm\u00e9diatement pris des mesures pour prot\u00e9ger les avoirs des assur\u00e9s.<\/p>\n<ul>\n<li>Le <strong>23 juillet 2024<\/strong>, le Comit\u00e9 de Direction du CAA a d\u00e9cid\u00e9 d&rsquo;<strong>activer un des m\u00e9canismes du \u00ab triangle de s\u00e9curit\u00e9 \u00bb<\/strong>. Cette activation a conduit au blocage des valeurs repr\u00e9sentatives des provisions techniques aupr\u00e8s des \u00e9tablissements d\u00e9positaires. Ce blocage vise \u00e0 garantir le <strong>\u00ab super-privil\u00e8ge \u00bb<\/strong>, qui accorde aux assur\u00e9s et b\u00e9n\u00e9ficiaires une priorit\u00e9 sur tout autre cr\u00e9ancier en cas de faillite de la compagnie.<\/li>\n<li>Le <strong>2 ao\u00fbt 2024<\/strong>, le tribunal d&rsquo;arrondissement de Luxembourg a accept\u00e9 la requ\u00eate en sursis de paiement d\u00e9pos\u00e9e par FWU Life Insurance Lux S.A., pour une dur\u00e9e maximale de six mois.<\/li>\n<\/ul>\n<p>Ces deux mesures ont des effets imm\u00e9diats et significatifs sur les op\u00e9rations de l&rsquo;assureur.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbLes Cons\u00e9quences des Mesures Prises\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Les Cons\u00e9quences des Mesures Prises<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><a href=\"https:\/\/www.sogelife.com\/fr\/\"><\/a><\/p>\n<p>Les mesures combin\u00e9es du CAA et du tribunal visent principalement \u00e0 <strong>prot\u00e9ger les droits et cr\u00e9ances des preneurs d\u2019assurance et des b\u00e9n\u00e9ficiaires<\/strong>. Elles ont pour effet imm\u00e9diat de :<\/p>\n<ul>\n<li>Suspendre temporairement toute nouvelle souscription de contrats d\u2019assurance.<\/li>\n<li>Suspendre temporairement tout paiement des prestations pr\u00e9vues par les contrats d\u2019assurance.<\/li>\n<li>Imposer un blocage des comptes de FWU Life Insurance Lux S.A.<\/li>\n<\/ul>\n<p>Ces actions garantissent que les actifs sur les comptes bloqu\u00e9s seront exclusivement utilis\u00e9s pour couvrir les engagements issus des contrats d\u2019assurance en vigueur, <strong>assurant ainsi une protection optimale des clients face aux risques financiers de l&rsquo;assureur.<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbLa R\u00e9action du CAA, de l\u2019ACA et les Proc\u00e9dures en Cours\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Les R\u00e9actions du CAA, de l\u2019ACA et les Proc\u00e9dures en Cours<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Pour toute question, le <strong>CAA<\/strong> a mis en place une <strong><a href=\"https:\/\/www.caa.lu\/fr\/consommateurs\/insolvabilite-de-fwu-life-insurance-lux-sa\">page internet<\/a> et une adresse email d\u00e9di\u00e9es<\/strong> : <a href=\"mailto:QA_FWULife@caa.lu\"><strong>QA_FWULife@caa.lu<\/strong><\/a>. Les assur\u00e9s et b\u00e9n\u00e9ficiaires peuvent ainsi obtenir des r\u00e9ponses claires et rapides concernant leurs droits et les mesures de protection en vigueur.<\/p>\n<p>L&rsquo;Association des Compagnies d\u2019Assurances et de R\u00e9assurances du Grand-Duch\u00e9 du Luxembourg (ACA) a \u00e9galement tenu \u00e0 clarifier les proc\u00e9dures en cours et \u00e0 rappeler les m\u00e9canismes du triangle de s\u00e9curit\u00e9 et du privil\u00e8ge du preneur. Selon l&rsquo;ACA, ces mesures visent principalement \u00e0 prot\u00e9ger les assur\u00e9s et \u00e0 maintenir la stabilit\u00e9 du march\u00e9 des assurances au Luxembourg. L\u2019ACA souligne que <strong>le \u00ab triangle de s\u00e9curit\u00e9 \u00bb et le privil\u00e8ge du preneur sont des \u00e9l\u00e9ments fondamentaux du cadre r\u00e9glementaire luxembourgeois, offrant une protection accrue aux assur\u00e9s.<\/strong><\/p>\n<p>Vous pouvez consulter le FAQ de l\u2019ACA sur le sujet : <strong>\u00ab <a href=\"https:\/\/www.aca.lu\/wp-content\/uploads\/2022\/06\/Triangle-QA-nouvelle-legislation-FR.pdf\">Questions\/R\u00e9ponses : le \u2018Triangle de s\u00e9curit\u00e9\u2019 et la loi du 10 ao\u00fbt 2018 \u00bb<\/a>.<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbConclusion\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Conclusion<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>L&rsquo;affaire FWU Life Insurance Lux S.A. d\u00e9montre la robustesse du cadre r\u00e9glementaire luxembourgeois et l&rsquo;efficacit\u00e9 du \u00ab triangle de s\u00e9curit\u00e9 \u00bb en mati\u00e8re de protection des clients.<\/p>\n<p>Bien que la situation de FWU soit pr\u00e9occupante, <strong>les mesures prises par le CAA et les m\u00e9canismes de protection en place montrent que les assur\u00e9s peuvent compter sur un syst\u00e8me solide pour s\u00e9curiser leurs avoirs, m\u00eame en p\u00e9riode de crise.<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbID Entreprise\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2022\/03\/Thibaud-Vall.jpg\u00a0\u00bb alt=\u00a0\u00bbLifepartners\u00a0\u00bb title_text=\u00a0\u00bbThibaud Vall\u00a0\u00bb disabled_on=\u00a0\u00bbon|on|on\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb disabled=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text ul_type=\u00a0\u00bbnone\u00a0\u00bb disabled_on=\u00a0\u00bbon|on|on\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb disabled=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>\u00a0Thibaud Vallancien<\/strong> est dipl\u00f4m\u00e9 de l\u2019ESCE Business School Paris et poss\u00e8de \u00e9galement un D.U de Gestion Internationale du Patrimoine de l\u2019AUREP. Ancien banquier priv\u00e9e \u00e0 Paris pour la client\u00e8le internationale, il a rejoint <a href=\"https:\/\/www.linkedin.com\/company\/sogelife-s-a-\/\" target=\"_blank\" rel=\"noopener\" data-cke-saved-href=\"https:\/\/www.linkedin.com\/company\/sogelife-s-a-\/\"><strong>SOGELIFE<\/strong><\/a> en 2014 et occupe aujourd\u2019hui le poste de Responsable Commercial sur les march\u00e9s de Luxembourg, Monaco, Suisse, Espagne et Portugal. Sp\u00e9cialiste de l\u2019assurance vie luxembourgeoise il d\u00e9tient l\u2019expertise pour les cas sophistiqu\u00e9s de mobilit\u00e9 ou transmission transfrontali\u00e8res.<\/p>\n<p>@ <a href=\"mailto:thibaud.vallancien@socgen.com\" target=\"_blank\" rel=\"noopener\" data-cke-saved-href=\"mailto:thibaud.vallancien@socgen.com\">thibaud.vallancien@socgen.com<\/a><\/p>\n<p>[\/et_pb_text][et_pb_social_media_follow disabled_on=\u00a0\u00bbon|on|on\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb disabled=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_social_media_follow_network social_network=\u00a0\u00bblinkedin\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.linkedin.com\/in\/thibaud-vallancien-12a914a\/#experience\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#007bb6&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb follow_button=\u00a0\u00bboff\u00a0\u00bb url_new_window=\u00a0\u00bbon\u00a0\u00bb]linkedin[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][et_pb_text disabled_on=\u00a0\u00bbon|on|on\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb disabled=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>Sources Images : \u00a9SOGELIFE <\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_module=\u00a0\u00bb448&Prime; saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;][et_pb_row _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbPlatinium\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_3_text_align=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Sponsor Platinium<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_3,1_3,1_3&Prime; admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb10px||70px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb40px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/03\/bil.png\u00a0\u00bb alt=\u00a0\u00bbBil\u00a0\u00bb title_text=\u00a0\u00bbsogelife-25&Prime; url=\u00a0\u00bbhttps:\/\/www.bil.com\/fr\/Pages\/index.aspx\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbbil\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/cardif-lux-vie.png\u00a0\u00bb alt=\u00a0\u00bbcardif lux vie\u00a0\u00bb title_text=\u00a0\u00bbsogelife-25&Prime; url=\u00a0\u00bbhttps:\/\/cardifluxvie.com\/fr\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbcardif\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_3,1_3,1_3&Prime; admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb10px||70px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb40px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/lombard-international-assurance.png\u00a0\u00bb alt=\u00a0\u00bblombard international assurance\u00a0\u00bb title_text=\u00a0\u00bbsogelife-25&Prime; url=\u00a0\u00bbhttps:\/\/www.lombardinternational.com\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bblombard\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/09\/sogelife.png\u00a0\u00bb alt=\u00a0\u00bbSogelife 2023&Prime; title_text=\u00a0\u00bbsogelife-25&Prime; url=\u00a0\u00bbhttps:\/\/www.sogelife.com\/fr\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbsogelife\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2024\/01\/swiss-life.png\u00a0\u00bb alt=\u00a0\u00bbSwiss Life\u00a0\u00bb title_text=\u00a0\u00bbsogelife-25&Prime; url=\u00a0\u00bbhttps:\/\/www.swisslife-global.com\/global-solutions.html\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbswisslife\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbGold\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_3_text_align=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h3>Sponsors Gold<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_4,1_4,1_4,1_4&Prime; 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Les mesures prises par le Commissariat aux Assurances et le tribunal garantissent la priorit\u00e9 des cr\u00e9ances des clients face aux difficult\u00e9s financi\u00e8res de l&rsquo;assureur.<\/p>\n","protected":false},"author":156,"featured_media":3939,"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":[25,1],"tags":[],"class_list":["post-12146","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apcal","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insolvabilit\u00e9 de FWU Luxembourg : Le Cadre Luxembourgeois \u00e0 l&#039;\u00c9preuve - Apcal<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment le triangle de s\u00e9curit\u00e9 prot\u00e8ge les assur\u00e9s face \u00e0 l&#039;insolvabilit\u00e9 de FWU Life Insurance Luxembourg S.A., sous la surveillance du Commissariat aux Assurances.\" \/>\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\/fr\/insolvabilite-de-fwu-luxembourg-le-cadre-luxembourgeois-a-lepreuve-2\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insolvabilit\u00e9 de FWU Luxembourg : Le Cadre Luxembourgeois \u00e0 l&#039;\u00c9preuve - 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