{"id":13368,"date":"2025-01-29T11:09:41","date_gmt":"2025-01-29T10:09:41","guid":{"rendered":"https:\/\/apcal.lu\/?p=13368"},"modified":"2025-03-11T17:07:00","modified_gmt":"2025-03-11T16:07:00","slug":"rapport-periodique-sur-les-ibip","status":"publish","type":"post","link":"https:\/\/apcal.lu\/fr\/rapport-periodique-sur-les-ibip\/","title":{"rendered":"Rapport p\u00e9riodique sur les IBIP"},"content":{"rendered":"

[et_pb_section fb_built=\u00a0\u00bb1″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbH1 – titre du post\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _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

Rapport p\u00e9riodique sur les IBIP:\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 une interview exclusive avec Paula Leite de Vinceo Solutions<\/h2>\n

[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2025\/01\/Capture-decran-2025-01-27-143254.png\u00a0\u00bb alt=\u00a0\u00bbLifepartners et la finance durable\u00a0\u00bb title_text=\u00a0\u00bbCapture d\u2019\u00e9cran 2025-01-27 143254″ align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ 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″ _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″ _builder_version=\u00a0\u00bb4.16″ _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\u00bb4.27.4″ _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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

Les obligations r\u00e9glementaires li\u00e9es aux Produits d\u2019Investissement Fond\u00e9s sur l\u2019Assurance (IBIP) \u00e9voluent constamment. Ces produits, au c\u0153ur du secteur de l\u2019assurance, imposent des exigences strictes en mati\u00e8re de transparence et de suivi. Pour mieux comprendre les implications de ces obligations, nous avons interview\u00e9 Paula Leite, Managing Partner chez VINCEO SOLUTIONS<\/strong>, qui a r\u00e9cemment publi\u00e9 une analyse approfondie sur le sujet.<\/span><\/p>\n

Pour les lecteurs souhaitant approfondir le sujet, l’article complet r\u00e9dig\u00e9 par Paula est disponible \u00e0 la fin de notre interview.<\/span><\/p>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbL’Intervention du Commissariat aux Assurances (CAA)\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _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″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Paula, qu\u2019est-ce que les IBIP et pourquoi n\u00e9cessitent-ils un rapport p\u00e9riodique ?<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _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″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Un IBIP, ou Insurance-Based Investment Product, est un produit d\u2019assurance expos\u00e9, directement ou indirectement, aux fluctuations du march\u00e9. Cela inclut notamment les assurances-vie dits \u00ab\u00a0de placement\u00a0\u00bb de type unit-linked. Ces produits, par leur complexit\u00e9, exigent un suivi rigoureux. Le rapport p\u00e9riodique vise \u00e0 garantir une transparence totale envers les clients et \u00e0 fournir un compte-rendu fid\u00e8le des transactions, des co\u00fbts associ\u00e9s et des services rendus.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbLes Cons\u00e9quences des Mesures Prises\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _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″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Que doivent retenir les interm\u00e9diaires d\u2019assurance luxembourgeois ?<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _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″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Les interm\u00e9diaires doivent fournir ce rapport au minimum une fois par an sur un support durable, comme un document papier ou \u00e9lectronique. Ils doivent y inclure des informations cl\u00e9s : transactions effectu\u00e9es, services fournis, co\u00fbts associ\u00e9s et valeur des actifs sous-jacents. Si une \u00e9valuation p\u00e9riodique de l\u2019ad\u00e9quation du produit est pr\u00e9vue, le rapport doit \u00e9galement d\u00e9montrer en quoi le produit r\u00e9pond aux pr\u00e9f\u00e9rences et objectifs du client.<\/p>\n

[\/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\u00bb4.27.4″ _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″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Est-ce que cette obligation est uniforme dans tous les pays de l\u2019UE ?<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _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″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Pas exactement. Bien que la directive IDD harmonise certaines r\u00e8gles au niveau europ\u00e9en, chaque \u00c9tat membre peut introduire des sp\u00e9cificit\u00e9s nationales. Par exemple, en Belgique, les produits de type \u00ab\u00a0branche 21\u00a0\u00bb sans participation aux b\u00e9n\u00e9fices sont consid\u00e9r\u00e9s comme des IBIP. C\u2019est pourquoi les interm\u00e9diaires op\u00e9rant \u00e0 l\u2019international doivent se conformer aux r\u00e9glementations locales et europ\u00e9ennes.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbConclusion\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _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″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

En quoi le rapport p\u00e9riodique peut-il aller au-del\u00e0 d\u2019une simple obligation r\u00e9glementaire ?<\/h2>\n

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Il peut devenir un v\u00e9ritable outil de fid\u00e9lisation. En y ajoutant des \u00e9l\u00e9ments tels que des conseils personnalis\u00e9s, des mises \u00e0 jour sur les tendances de march\u00e9 ou des rappels fiscaux, les interm\u00e9diaires montrent qu\u2019ils se soucient r\u00e9ellement de leurs clients. C\u2019est aussi une opportunit\u00e9 de consolider la relation en offrant une vue globale des contrats souscrits.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbConclusion\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _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″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Quels seraient vos conseils pratiques pour les interm\u00e9diaires ?<\/h2>\n

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Je recommande d\u2019instaurer une collaboration \u00e9troite avec les assureurs pour disposer des informations n\u00e9cessaires \u00e0 l\u2019\u00e9laboration du rapport. Pensez \u00e9galement \u00e0 structurer le document de mani\u00e8re claire et concise pour qu\u2019il soit compr\u00e9hensible par les clients, m\u00eame pour les produits complexes.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbConclusion\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _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″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

UN SOUTIEN POUR LES MEMBRES DE L’APCAL<\/h2>\n

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Afin d\u2019aider ses membres \u00e0 respecter cette obligation tout en gagnant du temps, l\u2019APCAL met gracieusement \u00e0 disposition un mod\u00e8le de rapport p\u00e9riodique<\/strong>. Ce document a \u00e9t\u00e9 con\u00e7u pour \u00eatre conforme aux exigences r\u00e9glementaires luxembourgeoises tout en restant adaptable \u00e0 chaque situation.<\/span><\/p>\n

Pour en savoir plus sur le sujet, nous vous invitons \u00e9galement \u00e0 consulter l\u2019article complet de Paula Leite, disponible ici : lire l’article<\/a><\/span><\/span><\/strong>, qui fournit une analyse d\u00e9taill\u00e9e et des conseils pratiques pour les professionnels du secteur.<\/span><\/p>\n

Pour plus d\u2019informations, n\u2019h\u00e9sitez pas \u00e0 contactez l\u2019APCAL \u00e0 info@apcal.lu<\/a>\u00a0<\/strong>!<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbID Entreprise\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2025\/01\/Capture-decran-2025-01-28-194636.png\u00a0\u00bb alt=\u00a0\u00bbLifepartners\u00a0\u00bb title_text=\u00a0\u00bbCapture d\u2019\u00e9cran 2025-01-28 194636″ disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text ul_type=\u00a0\u00bbnone\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Paula Leite<\/a> <\/strong>est Managing Partner et consultante au sein de VINCEO SOLUTIONS\u00a0<\/a><\/strong>S.A., une soci\u00e9t\u00e9 de conseil de droit luxembourgeois accompagnant principalement les professionnels du secteur des assurances (assureurs et interm\u00e9diaires d’assurance), au travers d’approches adapt\u00e9es, dans les domaines du consulting et de la formation.<\/p>\n

Avant de cr\u00e9er la soci\u00e9t\u00e9 VINCEO SOLUTIONS en mai 2020, elle a occup\u00e9 diff\u00e9rentes fonctions aupr\u00e8s de plusieurs assureurs de la place luxembourgeoise notamment dans le d\u00e9veloppement de produits, le\u00a0business development, le\u00a0Wealth Planning\u00a0mais aussi dans le Marketing strat\u00e9gique et op\u00e9rationnel.<\/p>\n

Paula \u00e9volue dans le monde de l\u2019assurance vie luxembourgeoise depuis 1998. Forte de son exp\u00e9rience, elle intervient aujourd’hui sur des th\u00e9matiques li\u00e9es au d\u00e9veloppement de produits et de march\u00e9s, au d\u00e9veloppement de l’offre de produits et de services, \u00e0 la mise en conformit\u00e9 r\u00e9glementaire, au marketing & communication ainsi qu’\u00e0 l’optimisation de processus op\u00e9rationnels.<\/p>\n

[\/et_pb_text][et_pb_social_media_follow disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\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\/paula-leite-841389141\/\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#007bb6″ 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_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb saved_tabs=\u00a0\u00bball\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbSponsors Platinium\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2″ _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

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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Rapport p\u00e9riodique sur les IBIP : ce qu\u2019il faut savoir absolument !
\nLes Produits d\u2019Investissement Fond\u00e9s sur l\u2019Assurance (IBIP) sont au c\u0153ur des enjeux de transparence et de conformit\u00e9 pour les interm\u00e9diaires d\u2019assurance. Dans un contexte r\u00e9glementaire en constante \u00e9volution, savez-vous vraiment ce que contient l\u2019obligation de rapport p\u00e9riodique ?
\n👉 Dans cet article, Paula Leite, Managing Partner chez VINCEO Solutions, explique pourquoi ce rapport n\u2019est pas seulement une contrainte r\u00e9glementaire, mais aussi une opportunit\u00e9 de renforcer votre relation client.<\/p>\n","protected":false},"author":156,"featured_media":13363,"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":[89,25,1,5],"tags":[],"class_list":["post-13368","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apcal-en","category-apcal","category-news","category-news-en"],"yoast_head":"\nRapport p\u00e9riodique sur les IBIP - Apcal<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment le triangle de s\u00e9curit\u00e9 prot\u00e8ge les assur\u00e9s face \u00e0 l'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\/en\/?p=13369\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rapport p\u00e9riodique sur les IBIP - Apcal\" \/>\n<meta property=\"og:description\" content=\"D\u00e9couvrez comment le triangle de s\u00e9curit\u00e9 prot\u00e8ge les assur\u00e9s face \u00e0 l'insolvabilit\u00e9 de FWU Life Insurance Luxembourg S.A., sous la surveillance du Commissariat aux Assurances.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/apcal.lu\/en\/?p=13369\" \/>\n<meta property=\"og:site_name\" content=\"Apcal\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-29T10:09:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-11T16:07:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/apcal.lu\/wp-content\/uploads\/2025\/01\/Capture-decran-2025-01-28-143158.png\" \/>\n\t<meta property=\"og:image:width\" content=\"607\" \/>\n\t<meta property=\"og:image:height\" content=\"285\" \/>\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=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Val\u00e9rie Pierre\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/apcal.lu\/en\/?p=13369#article\",\"isPartOf\":{\"@id\":\"https:\/\/apcal.lu\/en\/?p=13369\"},\"author\":{\"name\":\"Val\u00e9rie Pierre\",\"@id\":\"https:\/\/apcal.lu\/fr\/#\/schema\/person\/078c317aaf69a53a0d76ccc89b6abe52\"},\"headline\":\"Rapport p\u00e9riodique sur les IBIP\",\"datePublished\":\"2025-01-29T10:09:41+00:00\",\"dateModified\":\"2025-03-11T16:07:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/apcal.lu\/en\/?p=13369\"},\"wordCount\":3669,\"image\":{\"@id\":\"https:\/\/apcal.lu\/en\/?p=13369#primaryimage\"},\"thumbnailUrl\":\"https:\/\/apcal.lu\/wp-content\/uploads\/2025\/01\/Capture-decran-2025-01-28-143158.png\",\"articleSection\":[\"APCAL\",\"APCAL\",\"News\",\"News\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/apcal.lu\/en\/?p=13369\",\"url\":\"https:\/\/apcal.lu\/en\/?p=13369\",\"name\":\"Rapport p\u00e9riodique sur les IBIP - 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