How does WEALINS position itself in the Portuguese market in terms of wealth solutions designed for UHNWI clients? How do you adapt your solutions to the specific needs of these clients?
At WEALINS, we position ourselves as a trusted partner for sophisticated wealth planning, offering tailor-made life insurance solutions that align with the unique needs of UHNWI clients in Portugal. WEALINS has established Portugal as one of its key strategic markets based on an approach that combines Luxembourg’s recognised expertise in wealth insurance with tailored solutions for Portuguese clients. We understand that these clients require flexibility, cross-border expertise, and a deep understanding of both local and international regulatory frameworks. Our approach is highly personalised, ensuring that each solution is adapted to the client’s wealth structure, family dynamics, and long-term objectives. Operating under the freedom to provide services (FPS) from Luxembourg, we offer at WEALINS, a life insurance contract governed by Portuguese law, ensuring compliance and relevance for local tax residents and internationally mobile Portuguese citizens.
What are the key areas of expertise that WEALINS leverages to support this demanding clientele?
Our strength lies in our multidisciplinary expertise, combining wealth structuring, estate planning, and cross-border legal and tax knowledge. We work closely with a network of private banks, family offices, and legal advisors to deliver solutions that are not only compliant but also strategically aligned with the client’s goals. Furthermore, we have a strong Wealth Planning team with experts covering all main markets, and partners we work closely with for non-core jurisdictions. It enables us to design personalised solutions that go far beyond standard offerings. Every structure we design takes into account the specific client’s family situation, long-term objectives, and international mobility. We are also providing to our clientele access to sophisticated and diversified financial assets. At WEALINS, our Investments team is ensuring full oversight of the investment lifecycle. What sets us apart is that over half the team focuses exclusively on private assets, covering both private equity analysis and ongoing valuation and management.
What innovations has the company developed to meet the expectations of our clients in the Portuguese market?
Innovation is at the heart of our strategy. We have developed digital tools that enhance transparency and operational efficiency making policy management easier for both clients and their advisors. Additionally, we continuously evolve our product offering to incorporate ESG considerations and multi-asset strategies, reflecting the growing interest of Portuguese UHNWI clients in sustainable and diversified investments. We have also recently adapted our solution to be able to incorporate the specific tax advantages given by the Portuguese tax authorities regarding the investments of proceeds coming from the sale of your permanent residence in Portugal, allowing our clients to avoid taxation on said capital gains. By combining technology, expertise, and personalisation, we are able at WEALINS to deliver solutions that resonate with the evolving expectations of Portuguese UHNWI clients.
How does WEALINS’ offering stand out from other solutions and products supporting wealth management and wealth transfer?
WEALINS stands out through its unique approach named “Wealth Insurance as a Service” and we focus on operational excellence and a deep commitment to long-term partnerships. In addition to the wealth insurance solutions that we develop, we are committed to offer unique wealth support and expertise to meet the specific needs of each of our partners and clients. Unlike standard wealth management products, our life insurance solutions are designed to integrate seamlessly into complex wealth structures, offering benefits such as portability, confidentiality, and succession planning advantages. Our ability to co-create solutions with advisors ensures that each policy is truly unique and future-proof.
How does the evolving profile of UHNWI clients influence your strategy in this market, and what is your vision for the development of the business in Portugal over the coming years?
The evolving profile of UHNWI clients is reshaping our strategy in Portugal. Today our clients are more global, more connected, and far more complex in their needs than ever before. They expect not only security and performance but also flexibility, digital convenience, and sustainable investment options. We see a clear shift toward values-based investing and intergenerational wealth planning.
Our vision for the coming years in Portugal is clear: to consolidate our position as a trusted partner for wealth insurance while continuing to innovate. Portugal is already a strategic market, and we see significant growth potential driven by increasing demand from both national clients and internationally mobile families relocating to the country (e.g. Swedish clients moving to Portugal). In response, our strategy in Portugal focuses on agility, innovation, and education — helping clients and their advisors navigate the evolving landscape. Over the coming years, we aim to strengthen our presence by deepening relationships with local partners and continuing to deliver solutions that anticipate the future needs of our clients.
