CNP Luxembourg: Ten Years of Steady Growth and a Strong European Ambition

Since its licensing in 2015, CNP Luxembourg has established itself as a recognized player in Luxembourg life insurance for European wealth management customers. Buoyed by the solidity of its group, the company has built a model based on close partnerships, open investment architecture and consistently high standards of financial engineering.

At the dawn of its second decade, Raphaël Torres,Sales Director, and Amandine Bournet,Partnership Manager ,look back at the major milestones in this trajectory, the relationships built up with partners, the driving forces behind CNP Luxembourg's attractiveness in a fast-changing market, and the strategic vision that will guide the company in the years ahead.

If you were to look back on CNP Luxembourg's growth over the past ten years, what are the milestones that have embodied and shaped this trajectory?

Raphaël Torres
CNP Luxembourg received its approval from the Commissariat aux Assurances on November 30, 2015, and began marketing in the summer of 2017.
CNP Luxembourg has gradually structured and sized its teams with a view to being better identified and offering tailor-made support to its broker, manager and custodian partners.
In an open model, our main objective has always been to promote the advantages of a Luxembourg contract to European customers.

Amandine Bournet
Ten years after its creation, CNP Luxembourg employs 44 people to serve the needs of its partners, managing €7 billion in assets under management, with over 55% invested in unit-linked products.
CNP Luxembourg is thus adapting its investment universe to leverage its financial expertise and respond to changing market needs.
In its quest for diversification, CNP Luxembourg has gradually broadened its distribution markets, marketing its life insurance and capitalization policies to French, Luxembourg, Belgian and Italian tax residents.

CNP Luxembourg's business model is based on proximity, trust and the creation of lasting value with your partners. How has this relationship evolved over time, and what levers are you using today to enrich it even further?

Raphaël Torres
By listening to the market, CNP Luxembourg has always given priority to human levers and co-construction with its partners.
Through active listening and total transparency, every day CNP Luxembourg enriches long-term partnership relationships that bring added value to policyholders.

Amandine Bournet
On a day-to-day basis, we can rely on our teams and their solid expertise; their diverse and complementary profiles enable us to work collectively in the service of performance and in support of our partners.
Together with our partners, we draw up an ambition and a trajectory based on three pillars: innovation, diversification and trust.
On an ongoing basis, we work together to meet the evolving needs of our high-end clientele.

In an increasingly competitive and internationalized European market, what makes CNP Luxembourg unique and attractive today?

Raphaël Torres
In an evolving and competitive market, solidity, expertise and agility are the main levers for real growth.
As a subsidiary of the CNP Assurances Group, we benefit from the quality of our signature, underpinned by the Group's financial strength.
Guided by the solid strategy of a major group, for the past eight years we have been offering a stable range of products to meet the needs of the multi-support market.
The fact that our French, Italian and Luxembourg teams have set up a joint sales organization is testimony to their active complementarity and to the strength of a major group, which is what high-end customers are looking for today in a market seeking rationalization.

Amandine Bournet
We also note that growth in life insurance is driven by commercial offers that optimize the investment universe.
In times of market volatility, the financial engineering of Luxembourg insurers supports market attractiveness and positions the Luxembourg offering in the diversification strategy of high-end customers.
Thanks to its agility and expertise, CNP Luxembourg has been able to reap the benefits of gradually aligning its investment universe with the needs of policyholders interested in the Luxembourg solution.

Finally, as we enter a new decade, what is your strategic vision for CNP Luxembourg and your partners?

Raphaël Torres
CNP Luxembourg's strategic vision focuses on three main areas:

1. profitable business development,
2. enhanced customer experience
3. and social responsibility.
   
   

Amandine Bournet
Finally, making CSR a central part of our strategy will enable CNP Luxembourg to affirm that performance only makes sense if it goes hand in hand with sustainability.
Making our employees and partners aware of responsible practices means ensuring that our growth is based on respect and positive contribution.
Our ambition is clear: to become a solid, innovative and responsible company, capable of transforming market changes into genuine opportunities for sustainable growth.

Raphaël Torres
These three pillars will enable CNP Luxembourg to pursue its growth and become a key player in the Luxembourg market, as well as the real European hub of the large group to which the Company belongs.
As the latest sign of this continued growth, CNP Luxembourg has had a new head office since September 1, 2025. Open and designed to encourage meetings, these premises have already become a real catalyst for communication and direct, effective encounters.
We will be delighted to invite our local partners to an inauguration evening on January 28, 2026.


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