[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
[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2025\/04\/idd-code-de-consuite-1.jpg\u00a0\u00bb alt=\u00a0\u00bbLifepartners et la finance durable\u00a0\u00bb title_text=\u00a0\u00bbidd code de consuite\u00a0\u00bb 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 border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
\u00ab Le conseil en assurance ? Une danse subtile entre exigences r\u00e9glementaires et r\u00e9alit\u00e9 terrain \u00bb<\/span><\/p>\n Le 24 avril prochain, Paula Leite<\/a><\/strong>, Managing Partner chez VINCEO Solutions<\/a><\/strong> et formatrice pour l\u2019APCAL, animera une session tr\u00e8s attendue sur les obligations en mati\u00e8re de conseil applicables \u00e0 la distribution d\u2019IBIP en LPS \u00e0 des clients fran\u00e7ais<\/strong>. En amont de cette intervention, elle partage avec nous quelques cl\u00e9s issues de son article \u00ab 50 nuances de conseil \u00bb, r\u00e9cemment publi\u00e9. [\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbPaula, pourquoi ce titre intriguant, \u201c50 nuances de conseil\u201d ?\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 [\/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 J\u2019ai voulu souligner, avec une touche d\u2019humour, l’existence de diff\u00e9rentes pratiques et modalit\u00e9s du conseil dans le domaine de la distribution d\u2019assurance au niveau europ\u00e9en. Ainsi, les r\u00e8gles de conduites et obligations peuvent varier d’un Etat membre \u00e0 l’autre, selon que le conseil est obligatoire ou non, pour tous les produits ou pour certains d’entre eux, selon les options retenues par les Etats membres dans le cadre de la transposition de la Directive IDD.<\/p>\n [\/et_pb_text][et_pb_text admin_label=\u00a0\u00bb📌 Quels sont les grands enseignements \u00e0 retenir pour un courtier luxembourgeois ?\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 [\/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 D\u2019abord, que la Directive IDD<\/strong> ne rend pas le conseil obligatoire. Fournir un conseil fait partie des activit\u00e9s de distribution d’assurance.<\/p>\n Que le Luxembourg rend le conseil obligatoire d\u00e8s lors que le client a sa r\u00e9sidence habituelle ou son \u00e9tablissement au Grand-Duch\u00e9 de Luxembourg, sauf si le client renonce \u00e0 ce conseil.<\/p>\n Que le Luxembourg impose une analyse impartiale et personnalis\u00e9e<\/strong> pour les courtiers luxembourgeois.<\/p>\n Enfin, que le conseil ne s’arr\u00eate pas \u00e0 la souscription<\/strong> : il s’inscrit dans la dur\u00e9e.<\/p>\n [\/et_pb_text][et_pb_text admin_label=\u00a0\u00bb🌍 Et en situation transfrontali\u00e8re, comme pour des clients fran\u00e7ais ?\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 [\/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 En principe, un distributeur luxembourgeois de produits d’assurance exer\u00e7ant ses activit\u00e9s dans un Etat membre autre que le Luxembourg, que ce soit en libre prestation de services ou en libre \u00e9tablissement, doit respecter les r\u00e8gles plus strictes, et, d’une mani\u00e8re g\u00e9n\u00e9rale, les dispositions dites d’int\u00e9r\u00eat g\u00e9n\u00e9ral adopt\u00e9es par cet autre Etat membre.<\/p>\n La r\u00e9glementation fran\u00e7aise pr\u00e9voit trois modalit\u00e9s du conseil (niveaux 1 \u00e0 3). Un niveau 1 obligatoire dans tous les cas de distribution. Un niveau 2, optionnel, si le distributeur est en mesure de pr\u00e9senter au client plusieurs contrats (ou options d’investissement au sein d’un contrat). Un niveau 3, optionnel, si le distributeur est en mesure de r\u00e9aliser une analyse d’une pluralit\u00e9 de contrats, \u00e9manant de diff\u00e9rents producteurs, en nombre et d’une nature tels qu’ils sont repr\u00e9sentatifs des contrats offerts sur le march\u00e9.<\/p>\n En pratique, un distributeur luxembourgeois distribuant des IBIP en France, devra adapter son processus commercial en tenant compte, notamment, de ces trois modalit\u00e9s et de son statut!<\/p>\n [\/et_pb_text][et_pb_text admin_label=\u00a0\u00bb📅 La formation du 24 avril abordera-t-elle ces nuances en d\u00e9tail ?\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 [\/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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n Absolument. Nous rappellerons tout d’abord les r\u00e8gles de conduite pr\u00e9vues par la Directive IDD, les r\u00e8gles de conduite telles que celles-ci d\u00e9coulent de la transposition de la Directive IDD en droit luxembourgeois. Nous passerons en revue les obligations pr\u00e9contractuelles<\/strong> pr\u00e9vues en droit fran\u00e7ais, et bien s\u00fbr les implications concr\u00e8tes de la Loi sur l\u2019industrie verte<\/strong> et de la recommandation ACPR<\/strong> qui entre en vigueur d\u00e9but 2026.<\/p>\n Mon objectif est, d’une part, d’apporter une compr\u00e9hension claire et opr\u00e9rationnelle des diff\u00e9rents cadres r\u00e9glementaires et, d’autre part, de proposer des cl\u00e9s pratiques pour assurer la conformit\u00e9 et dans un contexte transfrontalier.<\/p>\n [\/et_pb_text][et_pb_text admin_label=\u00a0\u00bb📩 Un mot de la fin pour les courtiers ?\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 [\/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 Le conseil, c\u2019est plus qu\u2019une obligation r\u00e9glementaire : c\u2019est un engagement fort envers le client, garantissant un accompagnement personnalis\u00e9 et une prestation \u00e0 valeur ajout\u00e9e.<\/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 [\/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 Pour en savoir plus sur le sujet, nous vous invitons donc \u00e0 consulter l\u2019article complet de Paula Leite, disponible en cliquant sur l’image ci-dessous !<\/strong><\/span><\/p>\n Et 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_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2025\/04\/Petit.png\u00a0\u00bb title_text=\u00a0\u00bbPetit\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/apcal.lu\/download\/2025-04-50-nuances-de-conduite\/?tmstv=1744132994″ _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/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. 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Entre la Directive IDD, le r\u00e8glement IBIP et les r\u00e9glementations nationales, les courtiers luxembourgeois doivent composer avec un paysage juridique dense et en constante mutation. Cet article, r\u00e9dig\u00e9 par Paula Leite, formatrice pour l\u2019APCAL, fait le point sur les obligations de conseil, les produits IBIP, et les exigences sp\u00e9cifiques applicables \u00e0 la distribution en LPS vers la France. Un contenu essentiel pour les professionnels du secteur.<\/p>\n","protected":false},"author":156,"featured_media":13882,"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-13870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apcal","category-news"],"yoast_head":"\n
<\/span><\/p>\n📰 Paula, pourquoi ce titre intriguant, \u201c50 nuances de conseil\u201d ?<\/h2>\n
📌 Quels sont les grands enseignements \u00e0 retenir pour un courtier luxembourgeois ?<\/h2>\n
🌍 Et en situation transfrontali\u00e8re, comme pour des clients fran\u00e7ais ?<\/h2>\n
📅 La formation du 24 avril abordera-t-elle ces nuances en d\u00e9tail ?<\/h2>\n
📩 Un mot de la fin pour les courtiers ?<\/h2>\n
💼 Retrouvez l\u2019article complet. Et pour aller plus loin, inscrivez-vous \u00e0 la formation du 24 avril !<\/h2>\n
Sponsors Platinum<\/h3>\n
Sponsors Gold<\/strong><\/h4>\n
Sponsors Silver<\/strong><\/h3>\n