{"id":15831,"date":"2025-11-20T15:32:11","date_gmt":"2025-11-20T14:32:11","guid":{"rendered":"https:\/\/apcal.lu\/?p=15831"},"modified":"2026-01-26T13:34:00","modified_gmt":"2026-01-26T12:34:00","slug":"la-loi-industrie-verte-impact-sur-les-distributeurs-dassurance-au-luxembourg","status":"publish","type":"post","link":"https:\/\/apcal.lu\/fr\/la-loi-industrie-verte-impact-sur-les-distributeurs-dassurance-au-luxembourg\/","title":{"rendered":"La Loi Industrie Verte &#8211; impact sur les distributeurs d&rsquo;assurance au Luxembourg"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.27.4&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\u00bb4.27.4&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<h2 style=\"text-align: center;\">LA LOI INDUSTRIE VERTE ET SON IMPACT SUR LES DISTRIBUTEURS D&rsquo;ASSURANCE AU LUXEMBOURG<\/h2>\n<p>[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-18-143920.png\u00a0\u00bb title_text=\u00a0\u00bbCapture d\u2019\u00e9cran 2025-11-18 143920&Prime; align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _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 disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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 disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbQu&rsquo;est ce que le rapport SFCR\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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<p><strong>La Loi Industrie Verte (Loi n\u00b0<\/strong><strong>\u202f<\/strong><strong>2023<\/strong><strong>\u2011<\/strong><strong>973 du 23\/10\/2023)<\/strong>, adopt\u00e9e en France pour soutenir la r\u00e9industrialisation d\u00e9carbon\u00e9e, introduit des obligations nouvelles pour les distributeurs d\u2019assurance, y compris ceux \u00e9tablis au Luxembourg. <strong>En effet, d\u00e8s lors qu\u2019un client est r\u00e9sident fiscal en France, le distributeur luxembourgeois entre dans le p\u00e9rim\u00e8tre de la r\u00e9gulation fran\u00e7aise<\/strong>, sous le contr\u00f4le de l\u2019Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution (<strong>ACPR)<\/strong>.<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbDeux rapport deux finalit\u00e9s\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>Une comp\u00e9tence\u00a0 de l&rsquo;ACPR<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>Celle-ci s\u2019applique d\u00e8s qu\u2019un client est fiscalement r\u00e9sident en France, ind\u00e9pendamment du lieu d\u2019\u00e9tablissement du distributeur. Cela signifie que les courtiers luxembourgeois <strong>doivent int\u00e9grer les exigences de la Loi Industrie Verte dans leur pratique du conseil, leur documentation et leur offre produit<\/strong>.<\/p>\n<p>[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-18-150754.png\u00a0\u00bb title_text=\u00a0\u00bbCapture d\u2019\u00e9cran 2025-11-18 150754&Prime; align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbUn contenu structur\u00e9 et technique\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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 style=\"text-align: left;\">Un devoir de conseil ESG renforc\u00e9<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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 hover_enabled=\u00a0\u00bb0&Prime; border_color_bottom=\u00a0\u00bb#7886A2&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<p><span style=\"color: #000000;\">\u00a0<\/span>La loi impose une <strong>adaptation du devoir de conseil<\/strong> pour int\u00e9grer les pr\u00e9f\u00e9rences de durabilit\u00e9 des clients r\u00e9sidents en France. Cela inclut :<\/p>\n<ul>\n<li>La pr\u00e9sentation des dispositions de la Loi Industrie Verte avant souscription.<\/li>\n<li>La collecte d\u2019informations ESG (durabilit\u00e9), incluant les pr\u00e9f\u00e9rences de durabilit\u00e9 labellis\u00e9es, la situation familiale, professionnelle et financi\u00e8re du client, ses objectifs d\u2019investissement et de performance, son app\u00e9tence au risque et capacit\u00e9 \u00e0 subir des pertes et ses connaissances et exp\u00e9riences financi\u00e8res.<\/li>\n<li>Une tra\u00e7abilit\u00e9 renforc\u00e9e : archivage sur support durable (outil automatis\u00e9 recommand\u00e9), justification \u00e9crite du conseil, mise \u00e0 jour en cas d\u2019\u00e9v\u00e9nement significatif.<\/li>\n<\/ul>\n<p>Le r\u00e9f\u00e9rentiel de collecte est pr\u00e9cis\u00e9 dans <a href=\"https:\/\/apcal.lu\/fr\/download\/annexe-1-de-la-recommandation-acpr-2024-r-03\/?tmstv=1769430689\"><strong>l\u2019Annexe 1 de la recommandation ACPR 2024-R-03<\/strong>.<\/a><\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bb Modalit\u00e9s de publication et d\u2019accessibilit\u00e9\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>Un conseil dans la dur\u00e9e : une responsabilit\u00e9 continue.<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbTexte\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>La Loi Industrie Verte impose une dynamique de <strong>conseil dans la dur\u00e9e<\/strong>, avec des exigences d\u2019actualisation r\u00e9guli\u00e8re :<\/p>\n<ul>\n<li><strong>Tous les 2 ans<\/strong> pour les contrats avec conseil personnalis\u00e9 (IBIPs).<\/li>\n<li><strong>Tous les 4 ans<\/strong> pour les autres.<\/li>\n<li><strong>\u00c0 chaque \u00e9v\u00e9nement significatif<\/strong> dans la vie du client (changement de situation familiale, professionnelle, financi\u00e8re ou de ses objectifs d\u2019investissement).<\/li>\n<\/ul>\n<p>Cette exigence implique une organisation rigoureuse du suivi client, avec des outils permettant de d\u00e9tecter les changements, de relancer les mises \u00e0 jour et de documenter chaque \u00e9tape du conseil.<\/p>\n<p>[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2025\/11\/Capture-decran-2025-11-18-151206.png\u00a0\u00bb title_text=\u00a0\u00bbCapture d\u2019\u00e9cran 2025-11-18 151206&Prime; align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbUne port\u00e9e politique et p\u00e9dagogique croissante\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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 style=\"text-align: left;\">DES ECHEANCES A ANTICIPER<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbTexte\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>Trois dates cl\u00e9s structurent la mise en \u0153uvre :<\/p>\n<ul>\n<li><strong>31 d\u00e9cembre 2025<\/strong> : entr\u00e9e en vigueur pour les nouvelles souscriptions.<\/li>\n<li><strong>23 octobre 2026<\/strong> : rem\u00e9diation du portefeuille existant pour les IBIPs et le conseil personnalis\u00e9.<\/li>\n<li><strong>23 octobre 2028<\/strong> : rem\u00e9diation de tous les autres contrats (int\u00e9gralit\u00e9 du portefeuille).<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbUn outil strat\u00e9gique pour les distributeurs\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>UNE OFFRE PRODUIT A ADAPTER<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>Les distributeurs doivent disposer de <strong>produits labellis\u00e9s \u00ab\u00a0Industrie Verte\u00a0\u00bb<\/strong> dans leur catalogue. En effet, <strong>depuis le 1er janvier 2024<\/strong>, chaque contrat d\u2019assurance-vie doit proposer <strong>au moins une unit\u00e9 de compte (UC) labellis\u00e9e<\/strong> (exemples\u00a0: ISR, Greenfin). Quid des assureurs \u00e9trangers en LPS en France\u00a0?<\/p>\n<p><strong>En cas d\u2019int\u00e9r\u00eat confirm\u00e9 du client et d\u2019absence de produit labellis\u00e9 \u00ab\u00a0Industrie Verte\u00a0\u00bb dans le contrat existant, n\u00e9cessit\u00e9 de r\u00e9pondre de mani\u00e8re ad\u00e9quate aux besoins et n\u00e9cessit\u00e9s du client en dehors de la situation actuelle. <\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbConclusion \u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>ET LES CONTRATS NON-VIE ?<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>La recommandation ACPR pr\u00e9cise que <strong>le devoir de conseil ESG s\u2019applique \u00e9galement aux contrats non-vie (auto, habitation, sant\u00e9\u2026)<\/strong>. Cela inclut la prise en compte des pr\u00e9f\u00e9rences en mati\u00e8re de durabilit\u00e9 des clients, ainsi qu\u2019une vigilance particuli\u00e8re afin d\u2019\u00e9viter les cumuls de couverture ou les situations de double assurance.<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbConclusion \u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>SFDR VS INDUSTRIE VERTE \/ DEUX LOGIQUES A ARTICULER<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>Le r\u00e8glement europ\u00e9en Sustainable Finance Disclosure Regulation (SFDR) impose une transparence sur les caract\u00e9ristiques ESG des produits mais ne constitue pas un label. \u00c0 l\u2019inverse, la Loi Industrie Verte repose sur une logique prescriptive, avec des labels reconnus par l\u2019\u00c9tat fran\u00e7ais. Un produit peut relever des deux cadres mais <strong>seul le label fran\u00e7ais garantit la conformit\u00e9 Industrie Verte<\/strong>.<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbConclusion \u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>LE PROCESSUS DE LABELLISATION<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>En France, le label \u00ab Industrie Verte \u00bb s\u2019obtient via un processus de certification aupr\u00e8s d\u2019un organisme ind\u00e9pendant sp\u00e9cialis\u00e9, tel que le Groupe AFNOR, avec un renouvellement obligatoire tous les quatre ans.<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbConclusion \u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>SANCTIONS EN CAS DE NON-CONFORMITE DE LA DISTRIBUTION<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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>Selon le Code Mon\u00e9taire et Financier, <em>article L612-39<\/em>, l\u2019ACPR peut prononcer :<\/p>\n<ul>\n<li>Des <strong>sanctions disciplinaires<\/strong> (bl\u00e2me, interdiction d\u2019exercer, retrait d\u2019agr\u00e9ment).<\/li>\n<li>Des <strong>sanctions financi\u00e8res<\/strong> allant jusqu\u2019\u00e0 100 millions d\u2019euros ou 10 % du chiffre d\u2019affaires annuel.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbConclusion \u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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 : UNE TRANSFORMATION A ANTICIPER<\/h2>\n<p>[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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 les distributeurs luxembourgeois, la Loi Industrie Verte transforme le conseil ESG en un atout strat\u00e9gique : elle impose des standards plus \u00e9lev\u00e9s, mais ouvre la voie \u00e0 une offre diff\u00e9renciante capable de s\u00e9duire des clients en qu\u00eate de transparence et de solutions durables.<\/p>\n<p><strong>Lorenzo STIPULANTE, Flora MILCAN, EY Luxembourg<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_2,1_2&Prime; admin_label=\u00a0\u00bbID Entreprise\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_2&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\/12\/Lorenzo-Stipulante-3-jpg.jpg\u00a0\u00bb alt=\u00a0\u00bbBert Bouton\u00a0\u00bb title_text=\u00a0\u00bbLorenzo Stipulante 3 jpg\u00a0\u00bb align=\u00a0\u00bbright\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _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&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p style=\"text-align: center;\"><strong>Lorenzo Stipulante<\/strong><\/p>\n<p style=\"text-align: center;\">Partner Regulatory &amp; FinCrime<\/p>\n<p style=\"text-align: center;\">Ernst &amp; Young S.A.<\/p>\n<p>[\/et_pb_text][et_pb_social_media_follow disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\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\/lorenzo-stipulante\/\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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_column][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb4.27.4&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\/2025\/11\/Capture-decran-2025-11-18-154736.png\u00a0\u00bb alt=\u00a0\u00bbBert Bouton\u00a0\u00bb title_text=\u00a0\u00bbCapture d\u2019\u00e9cran 2025-11-18 154736&Prime; align=\u00a0\u00bbright\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _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&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p style=\"text-align: center;\"><strong>Flora Milcan<\/strong><\/p>\n<p style=\"text-align: center;\">Senior Regulatory &amp; FinCrime<\/p>\n<p style=\"text-align: center;\">Ernst &amp; Young S.A.<\/p>\n<p>[\/et_pb_text][et_pb_social_media_follow disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\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\/flora-milcan-5530a5153\/\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _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&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\u00bb4.20.4&Prime; _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&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 Platinum<\/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\u00bb4.20.4&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 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_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2024\/01\/swiss-life.png\u00a0\u00bb alt=\u00a0\u00bbSwiss Life\u00a0\u00bb 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_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 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_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/09\/sogelife.png\u00a0\u00bb alt=\u00a0\u00bbSogelife 2023&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\u00bb4.27.4&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\/foyer.png\u00a0\u00bb alt=\u00a0\u00bbFoyer\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.lombardinternational.com\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbLombard\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&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\u00bb4.20.4&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<h4 style=\"text-align: center;\"><strong>Sponsors Gold<\/strong><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_3,1_3,1_3&Prime; 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