{"id":16806,"date":"2026-03-30T13:37:47","date_gmt":"2026-03-30T11:37:47","guid":{"rendered":"https:\/\/apcal.lu\/?p=16806"},"modified":"2026-04-02T11:23:44","modified_gmt":"2026-04-02T09:23:44","slug":"lc-26-1-du-caa","status":"publish","type":"post","link":"https:\/\/apcal.lu\/fr\/lc-26-1-du-caa\/","title":{"rendered":"LC 26\/1 du CAA"},"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;\">Nouvelle Lettre Circulaire 26\/1 du CAA\u00a0<\/h2>\n<h2 style=\"text-align: center;\">Ce que cela change pour vous, Courtiers<\/h2>\n<p>[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2026\/02\/CAA-LC-26-1.png\u00a0\u00bb title_text=\u00a0\u00bbCAA LC 26 1&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\u00bb8px||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\u00bbINTRO\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 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<h3><strong><em>Le Commissariat aux Assurances a publi\u00e9 la <a href=\"https:\/\/www.caa.lu\/uploads\/documents\/files\/LC26-1_FR.pdf\">Lettre Circulaire 26\/1,<\/a> entr\u00e9e en vigueur le 1er f\u00e9vrier 2026. <\/em><\/strong><\/h3>\n<h3><strong><em>Ce texte remplace la LC 15\/3 et encadre les r\u00e8gles d&rsquo;investissement applicables aux produits d&rsquo;assurance-vie li\u00e9s \u00e0 des fonds d&rsquo;investissement.<\/em><\/strong><\/h3>\n<h3><strong><em> Au-del\u00e0 des \u00e9volutions techniques, cette nouvelle circulaire a un impact op\u00e9rationnel direct pour les Courtiers. <\/em><\/strong><\/h3>\n<h3><strong><em>Voici les points essentiels \u00e0 retenir.<\/em><\/strong><\/h3>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bb1\ufe0f. March\u00e9 cible &#038; analyse des besoins : vigilance renforc\u00e9e\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<h5><strong>1\ufe0f. March\u00e9 cible &amp; analyse des besoins : vigilance renforc\u00e9e<\/strong><\/h5>\n<p>Le CAA rappelle explicitement ses attentes en mati\u00e8re de <strong>Product Oversight &amp; Governance (POG)<\/strong><\/p>\n<p><strong>Concr\u00e8tement pour vous :<\/strong><\/p>\n<ul>\n<li>L\u2019analyse des besoins du client doit \u00eatre <strong>formalis\u00e9e, coh\u00e9rente et document\u00e9e.<\/strong><\/li>\n<li>Le niveau de complexit\u00e9 du produit doit \u00eatre \u00e9valu\u00e9 en amont.<\/li>\n<li>Plus un produit est complexe (notamment avec produits structur\u00e9s), plus le march\u00e9 cible doit \u00eatre <strong>granulaire et pr\u00e9cis\u00e9ment d\u00e9fini<\/strong>.<\/li>\n<li>La d\u00e9finition d\u2019un <strong>march\u00e9 cible n\u00e9gatif<\/strong> est recommand\u00e9e \u2014 et obligatoire pour certains produits structur\u00e9s.<\/li>\n<\/ul>\n<p><strong>=&gt;Vous devez pouvoir d\u00e9montrer la coh\u00e9rence entre :<\/strong><\/p>\n<ul>\n<li>le profil patrimonial du client,<\/li>\n<li>son horizon d\u2019investissement,<\/li>\n<li>sa tol\u00e9rance au risque,<\/li>\n<li>et le produit propos\u00e9.<\/li>\n<\/ul>\n<p><strong>La tra\u00e7abilit\u00e9 documentaire reste un enjeu cl\u00e9.<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bb2\ufe0f. Produits structur\u00e9s : ouverture mais encadrement strict\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<h5><strong>2\ufe0f. Produits structur\u00e9s : ouverture mais encadrement strict<\/strong><\/h5>\n<p>Grande nouveaut\u00e9 : possibilit\u00e9 d\u2019investissement direct en produits structur\u00e9s<\/p>\n<p>La circulaire distingue :<\/p>\n<ul>\n<li>les produits structur\u00e9s \u00e0 garanties renforc\u00e9es,<\/li>\n<li>les produits structur\u00e9s sans garanties renforc\u00e9es<\/li>\n<\/ul>\n<p><strong>Ce que cela implique :<\/strong><\/p>\n<ul>\n<li>V\u00e9rification du rating de l\u2019\u00e9metteur.<\/li>\n<li>Respect des limites d\u2019investissement par contrat.<\/li>\n<li>Accord explicite du client si exposition indirecte \u00e0 des fonds alternatifs.<\/li>\n<li>Interdiction pour certains profils (ex : cat\u00e9gorie N) d\u2019acc\u00e9der \u00e0 certains produits li\u00e9s \u00e0 des taux de r\u00e9f\u00e9rence.<\/li>\n<\/ul>\n<p><strong>=&gt; Pour vous :<\/strong><br \/>Cela \u00e9largit l\u2019offre mais augmente votre responsabilit\u00e9 p\u00e9dagogique.<br \/>L\u2019explication des m\u00e9canismes et des risques doit \u00eatre claire, \u00e9crite et conserv\u00e9e.<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bb3\ufe0f. Fonds Internes Collectifs (A, B, C, D) : plus de souplesse\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<h5><strong>3\ufe0f. Fonds Internes Collectifs (A, B, C, D) : plus de souplesse<\/strong><\/h5>\n<p>Le texte renforce l\u2019attractivit\u00e9 des FIC A\/B\/C\/D<\/p>\n<p>Ces fonds conservent leur nature collective mais b\u00e9n\u00e9ficient :<\/p>\n<ul>\n<li>d\u2019une simplification op\u00e9rationnelle,<\/li>\n<li>d\u2019une plus grande souplesse,<\/li>\n<li>et d\u2019un positionnement interm\u00e9diaire entre FIC N et Fonds Internes D\u00e9di\u00e9s.<\/li>\n<\/ul>\n<p><strong>=&gt; Pour les Courtiers :<\/strong><br \/>Vous disposez d\u00e9sormais d\u2019une <strong>solution plus sophistiqu\u00e9e pour client\u00e8le patrimoniale<\/strong>, sans aller n\u00e9cessairement vers un FID.<br \/>C\u2019est une opportunit\u00e9 commerciale, mais elle suppose :<\/p>\n<ul>\n<li>une bonne compr\u00e9hension des cat\u00e9gories de preneurs (A, B, C, D)<\/li>\n<li>une v\u00e9rification du niveau de fortune d\u00e9clar\u00e9,<\/li>\n<li>un respect strict des seuils.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bb4\ufe0f. Protection renforc\u00e9e pour fonds alternatifs &#038; immobiliers\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<h5><strong>4\ufe0f. Protection pour fonds alternatifs &amp; immobiliers<\/strong><\/h5>\n<p>Avant tout investissement dans :<\/p>\n<ul>\n<li>fonds alternatifs,<\/li>\n<li>fonds de fonds alternatifs,<\/li>\n<li>fonds immobiliers,<\/li>\n<\/ul>\n<p>un <strong>accord explicite<\/strong> du client est requis, apr\u00e8s remise d\u2019une notice de risques sp\u00e9cifique<\/p>\n<p><strong>=&gt; Cela implique :<\/strong><\/p>\n<ul>\n<li>preuve de remise de l\u2019information,<\/li>\n<li>document contresign\u00e9,<\/li>\n<li>conservation au dossier.<\/li>\n<\/ul>\n<p>La logique est claire : <strong>sophistication = transparence renforc\u00e9e<\/strong>.<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bb5\ufe0f. Information client : exigence accrue\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<h5><strong>5\ufe0f. Information client : exigence accrue<\/strong><\/h5>\n<p>La circulaire d\u00e9taille pr\u00e9cis\u00e9ment les informations \u00e0 remettre :<\/p>\n<ul>\n<li>politique d\u2019investissement,<\/li>\n<li>historique de performance,<\/li>\n<li>profil de risque,<\/li>\n<li>modalit\u00e9s de rachat,<\/li>\n<li>acc\u00e8s aux prospectus ou KID<\/li>\n<\/ul>\n<p><strong>=&gt; Pour les Courtiers :<\/strong><br \/>La documentation contractuelle et pr\u00e9contractuelle doit \u00eatre coh\u00e9rente et compl\u00e8te.<br \/>Les obligations d\u2019information sont plus que simplement formelles : <strong>elles doivent \u00eatre d\u00e9montrables.<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbCe qu\u2019il faut retenir pour votre pratique\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<h5><strong>Ce qu\u2019il faut retenir pour votre pratique<\/strong><\/h5>\n<p>&#8211; Plus d\u2019opportunit\u00e9s commerciales (produits structur\u00e9s, FIC A\/B\/C\/D).<br \/>&#8211; Plus de souplesse pour la client\u00e8le patrimoniale.<br \/>&#8211; Mais une exigence accrue en mati\u00e8re de tra\u00e7abilit\u00e9, coh\u00e9rence et justification du conseil.<\/p>\n<p>La <a href=\"https:\/\/www.caa.lu\/uploads\/documents\/files\/LC26-1_FR.pdf\">LC 26\/1<\/a> vise \u00e0 maintenir la comp\u00e9titivit\u00e9 du secteur luxembourgeois tout en renfor\u00e7ant la protection des preneurs<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbRecommandation APCAL\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<h5><strong>Recommandation APCAL<\/strong><\/h5>\n<p>Nous invitons nos Membres \u00e0 :<\/p>\n<ul>\n<li>Revoir leurs process d\u2019analyse des besoins et de march\u00e9 cible.<\/li>\n<li>V\u00e9rifier l\u2019alignement de leur documentation commerciale.<\/li>\n<li>Sensibiliser leurs \u00e9quipes aux nouvelles r\u00e8gles applicables aux produits structur\u00e9s.<\/li>\n<li>Mettre \u00e0 jour leur dispositif de distribution (POG).<\/li>\n<\/ul>\n<p>Finalement, l\u2019APCAL rappelle \u00e0 ses Membres qu\u2019ils doivent remettre\u00a0 une attestation d\u2019ad\u00e9quation du produit distribu\u00e9 aux besoins et n\u00e9cessit\u00e9s du souscripteur.<br \/>Cette obligation va au-del\u00e0 des seuls aspects financiers du contrat : il demeure en effet fondamental de comprendre le produit dans son ensemble, y compris les investissements sous-jacents qui le composent.<\/p>\n<p>S\u2019agissant des arbitrages \u00e9ventuels d\u2019un support d\u2019investissement vers un autre, l\u2019APCAL rappelle aussi l\u2019<strong>article 9.7 du R\u00e8glement UE 2017\/2359 POG<\/strong> qui impose que les interm\u00e9diaires \u00ab <em>se procurent \u00e9galement les informations n\u00e9cessaires sur les actifs d&rsquo;investissement sous-jacents existants du client et sur les nouveaux actifs d&rsquo;investissement recommand\u00e9s, et proc\u00e8dent \u00e0 une analyse des co\u00fbts et des avantages escompt\u00e9s de ce changement de mani\u00e8re \u00e0 pouvoir raisonnablement d\u00e9montrer que les avantages attendus sont sup\u00e9rieurs aux co\u00fbts.<\/em> \u00bb<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_2,1_2&Prime; disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb min_height=\u00a0\u00bb645.7px\u00a0\u00bb custom_margin=\u00a0\u00bb|auto|-394px|auto|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\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\/2021\/12\/formation-visioconference-m2.jpg\u00a0\u00bb alt=\u00a0\u00bbFormation visioconf\u00e9rence Apcal\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/apcal.lu\/fr\/lc-26-1-opportunites-et-rappel-des-points-de-vigilance\/\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_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_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbPour aller plus loin,\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 width=\u00a0\u00bb99.8%\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<h5><strong>Pour aller plus loin<\/strong><\/h5>\n<p>l&rsquo;APCAL propose une formation sp\u00e9cifique \u00ab\u00a0<a href=\"https:\/\/apcal.lu\/fr\/lc-26-1-opportunites-et-rappel-des-points-de-vigilance\/\"><strong>LC 26\/1 : Opportunit\u00e9s et rappel des points de vigilance<\/strong><\/a>\u00a0\u00bb pr\u00e9sent\u00e9e par <strong>Jer\u00f4me Maurice<\/strong> sur la <a href=\"https:\/\/apcal.lu\/fr\/download\/caa-lc26-1\/?tmstv=1772011416\">LC 26\/1<\/a> qui est planifi\u00e9e <strong>le 29 avril 2026 de 10.00 \u00e0 12.00. <\/strong>Vous pouvez d&rsquo;ores et d\u00e9j\u00e0 vous y inscrire en cliquant <strong><a href=\"https:\/\/apcal.lu\/fr\/lc-26-1-opportunites-et-rappel-des-points-de-vigilance\/\">ici<\/a><\/strong><\/p>\n<p>[\/et_pb_text][\/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\u00bb807.7px\u00a0\u00bb custom_margin=\u00a0\u00bb|auto|-473px|auto|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||22px||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\u00bbaccompagnement\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>L&rsquo;APCAL reste bien s\u00fbr \u00e0 votre disposition pour vous accompagner\u00a0 dans la compr\u00e9hension op\u00e9rationnelle de ces \u00e9volutions.<\/p>\n<p>[\/et_pb_text][et_pb_text disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbannexe lc 26\/1&Prime; _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>En annexe <a href=\"https:\/\/apcal.lu\/fr\/download\/caa-lc26-1\/?tmstv=1772011416\">LC 26\/01<\/a><\/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\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb min_height=\u00a0\u00bb212px\u00a0\u00bb custom_margin=\u00a0\u00bb|auto|-200px|auto||\u00a0\u00bb custom_padding=\u00a0\u00bb0px|||||\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_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 min_height=\u00a0\u00bb68px\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\/bert-bouton-526a72142\/\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_2,1_2&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_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\/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\/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_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_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\/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_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_4,1_4,1_4,1_4&Prime; use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb2&Prime; admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb10px||10px||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_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\/05\/aig-europe-2022.png\u00a0\u00bb alt=\u00a0\u00bbAIG\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.aig.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAIG\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_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\/2021\/09\/axa-luxembourg.png\u00a0\u00bb alt=\u00a0\u00bbAxa\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.axa.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAxa\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_4&Prime; _builder_version=\u00a0\u00bb4.24.2&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\/10\/AG2R.png\u00a0\u00bb alt=\u00a0\u00bbAG2R\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.lamondiale.lu\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbMondiale\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_4&Prime; _builder_version=\u00a0\u00bb4.24.2&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\/10\/baloise-assurances-luxembourg-2022.png\u00a0\u00bb alt=\u00a0\u00bbBaloise assurances luxembourg 2022&Prime; url=\u00a0\u00bbhttp:\/\/www.baloise.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_4,1_4,1_4,1_4&Prime; use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb2&Prime; disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb10px||60px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb30px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_4&Prime; _builder_version=\u00a0\u00bb4.24.2&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\/02\/lalux-luxembourg.png\u00a0\u00bb alt=\u00a0\u00bblalux luxembourg\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.lalux.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbLalux\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_4&Prime; _builder_version=\u00a0\u00bb4.24.2&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\/04\/april-international.png\u00a0\u00bb alt=\u00a0\u00bbApril international\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.april-international.com\/fr\/destinations\/europe\/l-assurance-sante-au-luxembourg\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbApril\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_4&Prime; _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_4&Prime; _builder_version=\u00a0\u00bb4.24.2&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\/07\/taiping-lu.png\u00a0\u00bb alt=\u00a0\u00bbTaiping Lu\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/lu.cntaiping.com\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbPWC\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 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\u00bbSilver\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_text_align=\u00a0\u00bbcenter\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\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><strong>Sponsors Silver<\/strong><\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_5,1_5,1_5,1_5,1_5&Prime; use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb2&Prime; admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb10px||10px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb30px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_5&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\/afiesca.png\u00a0\u00bb alt=\u00a0\u00bbAfi esca Luxembourg\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.afi-esca.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAfi esca\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_5&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\/allianz-Life-Luxembourg.png\u00a0\u00bb alt=\u00a0\u00bbAllianz\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.allianz.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAllianze\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_5&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\/2025\/04\/EY.png\u00a0\u00bb alt=\u00a0\u00bbEY Logo\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.foyer.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbFoyer\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_5&Prime; _builder_version=\u00a0\u00bb4.20.4&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\/2023\/03\/generali-silver.png\u00a0\u00bb alt=\u00a0\u00bbGenerali\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.generali.lu\/fr\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbgenerali\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_5&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\/09\/kpmg.png\u00a0\u00bb alt=\u00a0\u00bbKPMG\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/kpmg.com\/lu\/en\/home.html\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbKPMG\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2&Prime; 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Vous trouverez dans cet article les points essentiels \u00e0 retenir et les impacts op\u00e9rationnels directs pour les Courtiers.<\/p>\n","protected":false},"author":178,"featured_media":16823,"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":[25,32,1],"tags":[],"class_list":["post-16806","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apcal","category-commissariat-aux-assurances","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>LC 26\/1 du CAA - Apcal<\/title>\n<meta name=\"description\" content=\"Le CAA vient de publier une Lettre Circulaire LC 26\/01 relative aux r\u00e8gles d&#039;investissement pour les produits d&#039;assurance-vie\" \/>\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\/lc-26-1-du-caa\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LC 26\/1 du CAA - Apcal\" \/>\n<meta property=\"og:description\" content=\"Le CAA vient de publier une Lettre Circulaire LC 26\/01 relative aux r\u00e8gles d&#039;investissement pour les produits d&#039;assurance-vie\" \/>\n<meta property=\"og:url\" content=\"https:\/\/apcal.lu\/fr\/lc-26-1-du-caa\/\" \/>\n<meta property=\"og:site_name\" content=\"Apcal\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-30T11:37:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-02T09:23:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/apcal.lu\/wp-content\/uploads\/2026\/02\/CAA-LC-26-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"457\" \/>\n\t<meta property=\"og:image:height\" content=\"293\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Pascal Laurent\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Pascal Laurent\" \/>\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\/fr\/lc-26-1-du-caa\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/apcal.lu\/fr\/lc-26-1-du-caa\/\"},\"author\":{\"name\":\"Pascal Laurent\",\"@id\":\"https:\/\/apcal.lu\/fr\/#\/schema\/person\/4fca16f4e52e7b792e0a67ed3e82b050\"},\"headline\":\"LC 26\/1 du CAA\",\"datePublished\":\"2026-03-30T11:37:47+00:00\",\"dateModified\":\"2026-04-02T09:23:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/apcal.lu\/fr\/lc-26-1-du-caa\/\"},\"wordCount\":3776,\"image\":{\"@id\":\"https:\/\/apcal.lu\/fr\/lc-26-1-du-caa\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/apcal.lu\/wp-content\/uploads\/2026\/02\/CAA-LC-26-1.png\",\"articleSection\":[\"APCAL\",\"Commissariat aux Assurances\",\"News\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/apcal.lu\/fr\/lc-26-1-du-caa\/\",\"url\":\"https:\/\/apcal.lu\/fr\/lc-26-1-du-caa\/\",\"name\":\"LC 26\/1 du CAA - 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