Borea Invest: save with complete security

  • Flexible management tailored to all investor profiles  
  • Enhanced security through the Luxembourg security triangle regime
  • Attractive performance, with profit sharing in addition to the guaranteed return 
Request a Borea Invest offer

Enjoy security and performance

A flexible, secure investment tailored to all investment profiles, with a guaranteed rate of 1.75% and potential profit sharing.

3 good reasons to choose AXA Borea Invest insurance

  • A guaranteed return

    • Opt for a guaranteed return plus profit sharing.
    • At AXA, we use net rates, which reflect what you actually receive.
    • For more dynamic investors, a wide choice of unit-linked funds to choose from.

  • Optimal security

    • An attractive Net Guaranteed Rate of 1.75%*.
    • A guaranteed period of 8 years.
    • You can invest up to 100% of your investment at a guaranteed rate.
    * Le taux garanti net de 1,75 % s'applique sur le montant investi après déduction des frais d'entrée

  • Greater flexibility

    • A product suited to different investment profiles.
    • Starting premium from €2500.
    • Withdrawal possible at any time.
    • Possibility of switching between a wide range of funds.

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Request a Borea Invest offer

Use our simulator

With this simulator, you can estimate the growth of your savings with a 100% guaranteed interest rate and a very defensive investment profile.

What is profit sharing? It is an annual bonus that the insurer passes on when the results are positive. It is added to the guaranteed interest rate and thus allows your savings to grow faster. 

€
2500€2 000 000€
years
3 years25 years
  • Your initial investment 100 000€
  • Guaranteed return of 1.75%€
  • Return plus profit sharing€
  • Your savings net of charges on maturity€
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  • Estimated total return
  • Initial investment

The simulation is provided for information purposes only and has no contractual value. The minimum investment amount is 2 500€.

The Borea Invest product comes with a net interest rate of 1.75% guaranteed during 8 years. Profit sharing is not guaranteed. The simulation is based on a net guaranteed rate of 1.75% for 8 years, which is maintained throughout the investment period, as well as on average profit-sharing rate and entry fees. Entry fees may be higher than this average. Please note that charges may apply to investment amounts redeemed during the first three years.

For more information, please consult our general terms and conditions available on this page: https://axa.lu/en/insurance-invest

A product adapted to the different investment profiles

The advantages of Borea Invest life insurance

At AXA, we know that every savings plan is unique. Whether you are looking for security, performance, or flexibility, our solutions adapt to your project and your investor profile.

  • This modular product allows you to freely designate your beneficiaries and modify them at any time. Its flexibility offers you the possibility to switch between a wide range of funds, make additional payments from €1,250, and adapt your strategy as your projects evolve.

  • In addition to the guaranteed rate, you benefit from profit-sharing, redistributed if the company’s results are positive. In 2025, the return on the Borea10 fund was 2.60% NET, reflecting the actual amount you will receive, with responsible management.

  • This unique regime in Luxembourg offers additional protection for your investments. In the event of the insurance company’s failure, your capital is protected, ensuring maximum security for your savings.

  • Your capital is not locked: you can make partial or total withdrawals at any time. In addition, your savings benefit from a favorable tax regime, with no tax or charges in case of early withdrawal or at the end of the contract. You can invest up to 100% of your investment at a guaranteed rate of 1.75% for 8 years.

Find your insurance advisor

In every region of the Grand Duchy of Luxembourg, an advisor is available to offer you their services and help you prepare for the future with confidence.

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Our advice and useful steps

Your savings and assets are precious. Discover our advice to optimize your investment and facilitate your procedures.

Investment insurance documentation

Key Information Documents Unit Linked