FWU Life Insurance Lux S.A.
FWU Life Insurance Lux S.A. is a life insurance company incorporated in the Grand Duchy of Luxembourg on 20 November 1987 and registered with the Registre de Commerce et des Societes (RCS Luxembourg) under number B26817. It was constituted as a public limited company (societe anonyme) licensed to write unit-linked life insurance business, under which the policyholder’s return is linked to the performance of an underlying investment fund. Its registered office is recorded at 33, rue de Gasperich, L-5826 Hesperange.
FWU Life Insurance Lux S.A. was supervised in Luxembourg by the Commissariat aux Assurances (CAA), the country’s insurance-sector regulator, rather than the Commission de Surveillance du Secteur Financier (CSSF), which oversees banks and securities firms. The company distributed unit-linked life insurance policies to retail savers across several European markets, with reported policyholder numbers concentrated in France and Italy alongside Luxembourg, Belgium, Austria, Germany and Spain.
On 19 July 2024, FWU Life Insurance Lux S.A. notified the CAA that it no longer met the Solvency II minimum capital requirement and solvency capital requirement, and it stopped writing new business that month. The CAA froze the company’s segregated representative assets on 23 July 2024, and the Luxembourg court granted a suspension of payments (sursis de paiement) on 2 August 2024, appointing Maitre Yann Baden to oversee the company’s management. After the company’s recovery plan failed to restore its capital position, the Tribunal d’arrondissement de Luxembourg ordered its dissolution and compulsory judicial liquidation by judgment of 31 January 2025 (case 2025TALCH02/00221), and the CAA withdrew its insurance licence, with Maitre Yann Baden appointed liquidator. FWU Life Insurance Lux S.A. is therefore no longer an authorised insurance undertaking and is currently in judicial liquidation; an “Active” registry status on file should not be read as evidence that the company remains actively trading. Policyholders and creditors have been directed to file claims through the liquidator’s dedicated portal, fwulifelux.com.
- Company fundamentals
- Corporate linkage & group structures
- Digitized company financials
- Firmographics — websites, social profiles, revenue and employee estimates
Shareholders
Shareholders of FWU Life Insurance Lux S.A.
Luxembourg does not maintain a standard public shareholder register entry for this company through the registry feed used on this profile. However, official regulatory statements and Luxembourg business-press coverage of the company’s 2024 capital shortfall and 2025 judicial liquidation consistently identify FWU AG, a company based in Grunwald near Munich, Germany, as the sole shareholder of FWU Life Insurance Lux S.A. No source reviewed for this profile discloses a filed ownership-percentage figure, but a “sole shareholder” position indicates that FWU AG held the entirety of the issued share capital as at the most recent reporting available (2024-2025). No indirect or beneficial owner above FWU AG has been identified from the sources reviewed.
Data availability
Shareholder disclosure for this entity is Major shareholders only: the identity of the sole shareholder is well corroborated by press coverage of official Commissariat aux Assurances (CAA) statements and court filings, but no primary RCS Luxembourg shareholder extract was reviewed to confirm a filed percentage or effective date. Some third-party commercial-register aggregators additionally reference a former company name, Atlanticlux Lebensversicherung S.A., and historical shareholders predating the FWU Group’s ownership; these could not be independently verified against a primary filing for this profile and are not presented as confirmed fact.
Sources
- Paperjam, “FWU Life Insurance Lux S.A. is insolvent” (en.paperjam.lu), retrieved 2026-09-15
- DSM Avocats a la Cour, “A Luxembourg court ordered the dissolution and compulsory liquidation of FWU Life Insurance Lux S.A.” (dsm.legal), retrieved 2026-09-15
- Mondaq, “Liquidation Of FWU Life Insurance Lux S.A.” (mondaq.com), retrieved 2026-09-15
- FWU Life Insurance Lux S.A. official liquidation portal (fwulifelux.com), retrieved 2026-09-15
Officers
Directors and officers of FWU Life Insurance Lux S.A.
Standard company-register officer disclosure (board of directors, company secretary) was not available through the registry feed used for this profile. Court records and Luxembourg legal and press coverage of the company’s judicial liquidation instead identify a court-appointed liquidator now responsible for managing FWU Life Insurance Lux S.A.’s affairs. By judgment of the Tribunal d’arrondissement de Luxembourg dated 31 January 2025 (case 2025TALCH02/00221), Maitre Yann Baden, avocat a la Cour, was appointed liquidator, having previously served as the court-appointed administrator overseeing the company’s management during its suspension-of-payments period from 2 August 2024. No pre-liquidation board of directors could be independently verified from an authoritative source for this profile. Nationality is not disclosed for the liquidator in the sources reviewed and has not been inferred from his name, address or role.
Recent officer changes
- 2 August 2024 – Maitre Yann Baden appointed administrator by the Luxembourg court during the company’s court-supervised suspension of payments. Source: DSM Avocats a la Cour.
- 31 January 2025 – Maitre Yann Baden appointed liquidator following the company’s court-ordered dissolution and compulsory judicial liquidation. Source: DSM Avocats a la Cour; FWU Life Insurance Lux S.A. official liquidation portal.
Data availability
Officer information for this entity is Not found for the pre-liquidation board and Partial for current governance: only the court-appointed liquidator and the underlying judgment are documented in the sources reviewed. Luxembourg does not appear to have published a full officer history for this company through the sources available for this profile.
Sources
- DSM Avocats a la Cour, “A Luxembourg court ordered the dissolution and compulsory liquidation of FWU Life Insurance Lux S.A.” (dsm.legal), retrieved 2026-09-15
- DSM Avocats a la Cour, “A Luxembourg Court ordered a stay of payment for FWU LIFE INSURANCE LUX S.A.” (dsm.legal), retrieved 2026-09-15
- FWU Life Insurance Lux S.A. official liquidation portal, imprint page (fwulifelux.com/en/imprint), retrieved 2026-09-15
Group Structure
Group structure of FWU Life Insurance Lux S.A.
FWU Life Insurance Lux S.A. is reported to be a wholly-owned member of the FWU Group headed by FWU AG, a German company registered with the Munich commercial register (Handelsregister Munchen, HRB 129417). Luxembourg press coverage of the company’s 2024 capital shortfall and 2025 judicial liquidation identifies FWU AG as the immediate parent and sole shareholder of FWU Life Insurance Lux S.A. FWU AG itself filed for insolvency with the Munich Local Court (Amtsgericht Munchen) on 19 July 2024, citing over-indebtedness; this is a separate German insolvency proceeding from FWU Life Insurance Lux S.A.’s own Luxembourg suspension-of-payments and subsequent judicial-liquidation process, though both stem from the same group’s financial distress. No ultimate parent above FWU AG has been identified from the sources reviewed. Zavia’s underlying linked-company data associates several other FWU Group entities with this structure, including insurance and services companies in Austria and Germany and another Luxembourg company, but their exact ownership and control relationships have not been independently confirmed through a primary filing for this profile and are treated as possible rather than verified relationships.
Verified corporate relationships
| Entity | Country | Registration number | Relationship | Ownership | Status | Information date |
|---|---|---|---|---|---|---|
| FWU AG | Germany | HRB 129417 (Munich) | Immediate parent / sole shareholder (reported) | Ownership percentage not disclosed | Insolvency proceedings opened 19 Jul 2024, Munich Local Court | 2024-2025 (press reporting) |
| FWU INVEST S.A. | Luxembourg | RCS B72658 | Possible relationship (unverified) | Not disclosed | Not independently verified | 2026 (linked-company data) |
| FWU Austria AG | Austria | FN 237125P | Possible relationship (unverified) | Not disclosed | Not independently verified | 2026 (linked-company data) |
| austrion Life Insurance AG | Austria | FN 149447A | Possible relationship (unverified) | Not disclosed | Not independently verified | 2026 (linked-company data) |
| FWU Takaful GmbH | Germany | HRB 181157 (Munich) | Possible relationship (unverified) | Not disclosed | Not independently verified | 2026 (linked-company data) |
Recent structural changes
- 19 July 2024 – FWU AG, the reported immediate parent, filed for insolvency at the Munich Local Court due to over-indebtedness.
- 31 January 2025 – The Tribunal d’arrondissement de Luxembourg ordered the dissolution and compulsory judicial liquidation of FWU Life Insurance Lux S.A.; its insurance licence was withdrawn by the CAA.
Data availability
Group-structure information for this Luxembourg-regulated insurer is Partial: the identity of the immediate parent, FWU AG, is well corroborated by press coverage of official regulatory and court action, but a fully independently verified corporate tree with filed ownership percentages for group affiliates was not located in the sources reviewed for this profile.
Sources
- Paperjam, “FWU Life Insurance Lux S.A. is insolvent” (en.paperjam.lu), retrieved 2026-09-15
- DSM Avocats a la Cour, “A Luxembourg court ordered the dissolution and compulsory liquidation of FWU Life Insurance Lux S.A.” (dsm.legal), retrieved 2026-09-15
- Mondaq, “Liquidation Of FWU Life Insurance Lux S.A.” (mondaq.com), retrieved 2026-09-15
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Frequently Asked Questions
What is FWU Life Insurance Lux S.A.?
FWU Life Insurance Lux S.A. is a Luxembourg-incorporated public limited company (societe anonyme) that was licensed as a life insurance undertaking. It was incorporated on 20 November 1987 and registered with the Registre de Commerce et des Societes (RCS Luxembourg) under number B26817. The company wrote unit-linked life insurance policies, under which the policyholder's return is tied to the performance of an underlying investment fund.
What is FWU Life Insurance Lux S.A.'s registration number and registered office?
Its RCS Luxembourg registration number is B26817. Its registered office on file is 33, rue de Gasperich, L-5826 Hesperange, Luxembourg. Communications relating to the ongoing liquidation are handled through the liquidator's dedicated portal, fwulifelux.com, whose published contact address is 17, rue de la Poudrerie, L-3364 Leudelange.
Is FWU Life Insurance Lux S.A. still an active, authorised insurance company?
No. By judgment of 31 January 2025 (case 2025TALCH02/00221), the Tribunal d'arrondissement de Luxembourg ordered the dissolution and compulsory judicial liquidation of FWU Life Insurance Lux S.A., and Luxembourg's insurance regulator withdrew its licence to carry on insurance business. The company is no longer an authorised insurance undertaking and is currently in judicial liquidation under a court-appointed liquidator.
Which authority regulated FWU Life Insurance Lux S.A.?
FWU Life Insurance Lux S.A. was supervised by the Commissariat aux Assurances (CAA), Luxembourg's insurance-sector regulator. This should not be confused with the Commission de Surveillance du Secteur Financier (CSSF), which supervises Luxembourg banks, investment firms and securities markets rather than insurance undertakings.
What type of insurance products did FWU Life Insurance Lux S.A. sell?
Public reporting on the company describes its business as unit-linked life insurance, sold to retail savers mainly in France and Italy, alongside Luxembourg, Belgium, Austria, Germany and Spain. No verified source reviewed for this profile confirms that this specific Luxembourg entity itself sold Takaful or Sharia-compliant insurance products.
Does FWU Life Insurance Lux S.A. offer Takaful or Sharia-compliant life insurance?
Takaful and Sharia-compliant insurance activity is associated with other companies in the wider FWU Group, such as FWU Takaful GmbH in Germany, rather than with FWU Life Insurance Lux S.A. itself. No source reviewed for this profile documents Takaful business being written by this Luxembourg entity.
Who owns FWU Life Insurance Lux S.A.?
Luxembourg regulatory and press reporting on the company's 2024-2025 financial difficulties identifies FWU AG, a German company based in Grunwald near Munich, as the sole shareholder of FWU Life Insurance Lux S.A. No source reviewed discloses a filed ownership percentage figure, but 'sole shareholder' indicates it held the whole of the issued share capital.
Is FWU Life Insurance Lux S.A.'s liquidation the same event as FWU AG's German insolvency?
No. These are two distinct legal proceedings in two different jurisdictions. FWU AG, the German parent, filed for insolvency with the Munich Local Court (Amtsgericht Munchen) on 19 July 2024 due to over-indebtedness, under German insolvency law. FWU Life Insurance Lux S.A., as a separate Luxembourg-regulated legal entity, informed the CAA on the same day that it no longer met Solvency II capital requirements, had its assets frozen by the CAA on 23 July 2024, was placed under a Luxembourg court-supervised suspension of payments on 2 August 2024, and was ultimately put into judicial dissolution and liquidation by the Luxembourg court on 31 January 2025. The two processes are connected through the same group's financial distress but are governed by different courts and different insolvency regimes.
Who is currently managing FWU Life Insurance Lux S.A.?
Following the Luxembourg court's judgment of 31 January 2025, Maitre Yann Baden, avocat a la Cour, was appointed liquidator of FWU Life Insurance Lux S.A. He had previously been appointed administrator of the company during its court-supervised suspension of payments from 2 August 2024.
What happened to policyholders' assets and how can they file a claim?
The CAA froze FWU Life Insurance Lux S.A.'s segregated representative assets on 23 July 2024 to protect policyholders under Luxembourg's insurance asset-segregation regime. Following the January 2025 liquidation judgment, policyholders and creditors were given six months to submit statements of claim documenting their invested amounts, with information and submission channels provided through the liquidator's portal at fwulifelux.com.
In which countries did FWU Life Insurance Lux S.A. have policyholders?
Press coverage of the liquidation reports approximately 34,000 affected European policyholders, described as mostly French and Italian, with the company's business also reported to extend to Luxembourg, Belgium, Austria, Germany and Spain.
Did FWU Life Insurance Lux S.A. previously operate under a different name?
Some commercial-register data aggregators list a former name, Atlanticlux Lebensversicherung S.A., for the entity registered under RCS Luxembourg B26817. This has not been independently verified against a primary RCS filing for this profile and is noted here only as an unconfirmed data point.