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Assurance Vie Guide

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Assurance Vie Guide

Find out more about an Assurance Vie, a type of insurance contract in France that combines life insurance coverage with investment elements.

Understanding Assurance Vie

A Flexible, Tax-Efficient Wealth Planning Tool for British Expats in France

If you’re living in France and looking to invest or plan your estate in a tax-efficient way, the Assurance Vie might be one of the most powerful financial tools available to you.

Combining life insurance with investment opportunities, an Assurance Vie allows you to grow your capital, protect your beneficiaries, and reduce your exposure to French inheritance and income tax—all within a single, flexible contract.

This guide explains exactly how it works, why it’s so popular among British expatriates, and what to consider when deciding if it’s right for you.

What You’ll Learn Inside:

  • How an Assurance Vie works – and how it differs from other investment wrappers
  • Tax advantages – including the €152,500 per beneficiary IHT exemption and low withdrawal tax rates
  • Flexibility and access – how you can invest, switch funds, and make withdrawals
  • Estate and inheritance planning benefits – especially valuable for blended families or international estates
  • Currency protection – why it helps hedge against GBP/EUR fluctuations
  • UK tax considerations – what to know if you plan to return to the UK

Who Is This Guide For?

  • British expats living in France who want to:
  • Invest in a flexible, tax-efficient wrapper
  • Reduce exposure to French inheritance tax
  • Protect beneficiaries with a tailored estate plan
  • Secure long-term financial growth in euros
  • Understand how UK and French tax laws interact

Download the Guide

Whether you’re already living in France or considering a move, this free guide will help you make informed decisions about how an Assurance Vie might fit into your financial strategy.

Contact Hoxton Wealth

Contact us today to discover how Hoxton Wealth can help you achieve your financial goals. Together, we can build a brighter financial future.