Marc Hengen
Managing Director
ACA is a professional association within the Luxembourg financial sector. As such, it is an integral part of an ecosystem that goes far beyond the borders of Luxembourg.
Marc HENGEN Managing Director
About ACAWe are a member of : 
ACA HistoryFounding of ACA by :
Signature of the 1st Insurance Collective Bargaining Agreement for the insurance industry.
1993 : 3rd Life Directive establishing the system of Freedom to Provide Services. ACA has about 60 members and in 1994 created the Single Market Committee, which later become the International Life Committee.
In 1995, ACA and ULC introduced an ombudsman service for insurers’ customers.
ACA opens its membership to consulting professionals and lawyers with an associate member status.
ACA moves into the House of Finance, alongside the ABBL, ALFI and Luxembourg for Finance to strengthen the links of the financial sector.
1st woman President of ACA
ACA serves 146 members.
In February 2022, the ABBL and the ACA signed a partnership agreement strengthening the collaboration between the two associations. This new partnership materializes in particular by the fact that the joint public affairs representation office of the ABBL and ALFI will henceforth also defend the interests of Luxembourg insurers from the Brussels office.
• Renewal of the National Pact “Business and Human Rights”
• ESR re-labelling: For the third consecutive year, the ACA has been awarded the “Socially Responsible Company” label
Our missionsThe main mission of the Association of Insurance and Reinsurance Companies (ACA):
CSR EngagementACA integrates a socially responsible business strategy into its missions. Our CSR strategy allows us to develop our knowledge and improve our work processes. The CSR strategy creates value for our members, and our corporate strategy creates value for our stakeholders.
Moving to the House of Finance
Signature of the agreement “SuperDrecksKëscht”
Creation of an internal ACA CSR committee
Statutes of the association
Team
Marc Hengen
Managing Director
Valérie Tollet
Deputy CEO
Laura Barre
Member of ACA Executive Committee
Kilian Bonnemberger
Digital Communication Officer
Cyril Bontemps
Economic advisor
Sarah Hartmann
Legal advisor
Sarah Lentini
Senior Communication and Event Manager
Léa Zanda
Legal and tax advisor
Chantal Gansen
Head of secretariat and CEO’s assistant
Annick Beckius
Management Assistant and Accountant
Hélène Lang
Office Manager and CSR coordinator
Laure Reiles
Responsable administrative Bureau Luxembourgeois – Fonds de Garantie AutomobileE-mail: aca@aca.lu
Phone : +352 44 21 44 1
Marc HENGEN has been Managing Director of ACA since 2013. A trained lawyer and insurance professional, Marc joined ACA’s Management Committee in 2010 after 18 years of experience with Luxembourg insurance companies. Marc is also a member of the Haut Comité de la place financière, a member of the Executive Committee of the UEL (Union des Entreprises Luxembourgeoises), and a member of the Management Committee and Treasurer of Insurance Europe. Since 4 May 2022, Marc has also taken on the role of Secretary General of the Bureau Luxembourgeois and of the “Fonds De Garantie Automobile (FGA)”.
E-mail: valerie.tollet@aca.lu
Phone : +352 44 21 44 1
Valérie Tollet has been Deputy CEO of ACA since March 2024 and serves as Luxembourg Insurance Mediator. After 20 years working in taxation within consulting firms in Belgium and Luxembourg, Valérie joined ACA in February 2020. Holding degrees in law and tax law, she is responsible for legal, regulatory and tax matters relating to international life insurance, as well as for the related statutory commission. She is also involved in matters of Luxembourg and international taxation and represents ACA within the Tax Taskforce of the UEL. In addition, she supports ACA members on human resources-related issues. Valérie is a member of the Board of Directors of the ASTF (Association pour la Santé au Travail du secteur Financier), where she has held the position of Secretary since October 2022.
E-mail: laura.barre@aca.lu
Tel : +352 44 21 44 29
Previously, in 2018, Laura worked within a non-life insurance group as a tax specialist, before joining the Legal and Compliance department, where she was involved in matters relating to insurance product distribution, relationships with intermediaries, and the delegation of authority and management of external service providers. She joined ACA in February 2023. She now oversees the International Non-Life and Reinsurance Committees and is also involved in two technical life insurance topics the review of CL 15/3 and Private Equity as well as issues relating to indirect taxation.
Appointed Advisor to the Executive Committee in January 2025, Laura became a Member of ACA Executive Committee in February 2026.
E-mail: kilian.bonnemberger@aca.lu
GSM : +352 621 655 932
Drawing on several years of experience in the Luxembourg financial sector, Kilian has put this expertise to work in the field of digital communication within ACA, the voice of the insurance and reinsurance sector. Through cross-functional projects combining event coordination, digital communication and stakeholder engagement, he actively contributes to enhancing the sector’s visibility. As Digital Communications Officer, Kilian notably leads projects such as the ACA Innovation Award, aimed at fostering innovation and synergies with the insurtech ecosystem, as well as the ACA Insurance Day, a flagship event for the sector. He works to strengthen the Association’s visibility, support its members and promote the expertise of the insurance and reinsurance sector.
E-mail: cyril.bontemps@aca.lu
Tel : +352 44 21 44 24
Holding a Master’s degree (Master 2) from HEC Liège, Cyril began his career in Luxembourg in 2016 within various consulting and audit firms, where he specialised for nearly six years in the field of investment funds. He subsequently steered his career towards real estate, taking part in property development projects as well as in the structuring and management of real estate funds. In 2025, Cyril joined ACA, where he notably oversees the Finance, Custodian Banks Reporting, Statistics and Solvency II working groups.
E-mail: justine.falaize@aca.lu
Tel : +352 44 21 44 22
Holding a Master’s degree (Master 2) in Cross-Border Business Law, Justine completed a Franco-German academic programme before obtaining the Cours complémentaires en droit luxembourgeois (CCDL). She began her career in the legal department of a Luxembourg-based bank, where she worked for more than six years. During this time, she successively joined the financing team and then the transversal projects team dedicated to outsourcing projects. In December 2025, she joined ACA as a Legal Advisor.
E-mail: sarah.hartmann@aca.lu
Phone : +352 44 21 44 35
Holding a Master’s degree (Master 2) in Business Law and qualified as an in-house legal counsel, Sarah began her career in 2008 at a consulting firm, mainly working on tax and regulatory assignments for insurers in the Luxembourg market. In 2012, she joined the Legal and Compliance Department of an insurance group in Luxembourg, which she headed for several years. From 2018, and with a particular focus from 2020 onwards, Sarah served as Compliance Officer and Legal Counsel for the group’s insurtech entity. Having joined ACA in March 2021, Sarah works on a wide range of topics and coordinates several working groups related to the local market and transversal issues (notably professional secrecy and outsourcing). She also follows matters relating to digitalisation and innovation, as well as professional training.
E-mail: sarah.lentini@aca.lu
Phone : +352 44 21 44 30
A graduate of the IEP of Aix-en-Provence and holder of a Master’s degree (Master 2) in Public and Political Management, Sarah has been working in the Luxembourg financial sector for 20 years, including 17 years in insurance. She joined ACA in 2015 as an Advisor. She is responsible for the ACA’s communications and for promoting the sector in Luxembourg and internationally.
E-mail: lea.zanda@aca.lu
Phone : +352 44 21 44 21
Léa joined ACA in January 2020 after more than 10 years of experience in taxation in the Grand Duchy, including eight years in a consulting firm specialising in international taxation. A trained lawyer with a specialisation in business law, Léa is responsible for working groups related to life insurance distribution (Target Market, RIS, remuneration, conflicts of interest) and non-life distribution, AML and counter-terrorist financing, CRS, sustainable finance, dormant contracts, as well as several geographical working groups.
E-mail: chantal.gansen@aca.lu
Phone : +352 44 21 44 26
Chantal is responsible for ACA Secretariat. The Secretariat supports the Management Committee and ACA team across all matters handled within the Association. Administrative support encompasses a wide range of responsibilities, including the organisation of all ACA events, accounting, calculation of payments and membership contributions, monitoring of statistics, updating of the website and extranet, and communications to members. Chantal also serves as Corporate Secretary of ACA, thereby contributing to stronger governance within the organisation. In addition, she acts as assistant to the CEO, ensuring the smooth running of his activities and providing administrative support.
E-mail: annick.beckius@aca.lu
Phone : +352 44 21 44 23
Annick supports the Management Committee and ACA team in all matters handled within the Association. Her administrative duties include, among others, the organisation of ACA events, accounting, calculation of payments and membership contributions, updating of the website and extranet, and communications to members.
E-mail: helene.lang@aca.lu
Tel : +352 44 21 44 28
Hélène joined ACA in February 2025. As Office Manager, she is responsible for the organisation of ACA and relations with members; she provides essential support to the team and ensures the smooth functioning and optimisation of internal processes. With a strong CSR focus, Hélène coordinates projects such as the Responsible Enterprises labelling (INDR), the signing of the Business and Human Rights Pact, and the Women in Finance Charter, and manages relations between ACA and LSFI.
With over 20 years of professional experience, Hélène has developed in-depth expertise in office management within start-ups and financial companies in France and Luxembourg, covering administration, human resources, marketing and finance. She has successfully managed day-to-day operations, implemented HR and financial processes and digital tools, and optimised workflows and budgets.
E-mail: laure.reiles@aca.lu
Phone : +352 44 21 44 36
Laure a rejoint l’équipe ACA en juin 2025 et effectue le suivi administratif des dossiers du Bureau Luxembourgeois et du Fonds de Garantie Automobile, ainsi que les demandes d’information adressées au Fonds de Garantie Automobile en sa qualité de Centre d’information. Laure occupe également la fonction de Corporate Secretary pour le Bureau Luxembourgeois et le Fonds de Garantie, permettant ainsi une meilleure gouvernance au sein de l’organisation.
Other services of ACALuxembourg Green Card Bureau and Motor Guarantee Fund
The Luxembourg Green Card Bureau and Motor Guarantee Fund bring together all Motor Civil Liability insurers that are authorised to operate in this sector in the Grand Duchy of Luxembourg.
The Luxembourg Bureau manages claims arising in Luxembourg involving vehicles registered abroad and provides compensatation for personal injury and material damage in accordance with Luxembourg law.
The mission of the Motor Guarantee Fund is to compensate personal injury and material damage caused in Luxembourg by a vehicle that is uninsured, unidentified (personal injury only) or, for which, the Motor Civil Liability insurer has become insolvent. It bears the cost of compensation of victims if, within a period of 3 months from the date of presentation of a claim, the insurer concerned has not presented a reasoned response to the cited elements. The Motor Guarantee Fund shall compensate an injured person who is resident in the Grand Duchy of Luxembourg and has been the victim of an accident abroad caused by an uninsured vehicle, as well as so-called «vulnerable» victims.
Insurance Ombudsman
Since 1995, ACA and ULC (Luxembourg Union of Consumers) have offered a joint mediation service as an out-of-court alternative for insurance disputes and to avoid, as far as possible, lengthy and costly procedures.
The Ombudsman has as mission to process applications for out-of-court settlement of insurance litigation between Luxembourg-based insurance companies and consumers residing in Luxembourg or in another State of the European Union. The mediator’s opinions, proposed solutions or agreements are non-binding on the parties concerned.
ABBL, ACA & ALFI EU Representative Office
At the beginning of 2022, the ABBL and ACA agreed to enhance their collaboration on multiple fronts. In order to further leverage existing synergies, ACA is joining the existing representation office of ABBL and ALFI in Brussels, which is now expanding its scope to include insurance and reinsurance matters at the EU level.
The ambition of our association is to broaden the advocacy work of the insurance sector to reach policymakers in European institutions, in addition to other national associations and companies in the industry permanently based in Brussels.
Antoine Kremer set up and heads the representative office of the ABBL, ACA and ALFI in Brussels. In this capacity, he is responsible for representing the three associations before the European institutions.
Antoine has professional experience with several European institutions including the Commission, the Parliament and the Council and a pure advocacy experience of 16 years. He holds a degree in International Affairs from the University of Louvain-la-Neuve (Belgium) and a Master in European Legal Affairs from the European Institute of Public Affairs. Antoine is fluent in Luxembourgish, English, French, German, Italian and Dutch.
antoine.kremer@lux-finance.lu
Before joining the ABBL in October 2022, Xavier worked at the Public Affairs consulting firm FleishmanHillard as an Account Manager in the Financial Services practice where he assisted a broad range of market leading clients with their public affairs strategy.
Xavier holds a master’s degree in Political Economy from the London School of Economics and a bachelor’s degree from the Grenoble Graduate School of Business.
xavier.bove@lux-finance.lu
Negotiation of the Collective Labour Agreement
ACA has been negotiating the Collective Bargaining Agreement applicable to the insurance sector since 1967. This Collective Bargaining Agreement is concluded between the trade unions (ALEBA, LCGB, and OGBL) and ACA, usually for a 3 year period. The legislation of the Grand Duchy of Luxembourg makes the Collective Bargaining Agreement a general obligation for the entire market (including companies that are not members of ACA).
