Average Associate Insurance Representative Salary in Luxembourg for 2026

In this article, we will look at the average Associate Insurance Representative salary for 2026 in Luxembourg and how that compares to other countries and professions. We'll also look at interesting salary data points like median salary, 25th and 75th percentile salaries, salary amounts based on experience, bonus ranges and more!

The data in this article has been compiled using official government salary data, salary surveys, and other sources such as job postings which contain salary information.

All salary information is in the local currency, which is the Euro. To keep things simple, we are using the EUR currency code instead of the currency symbol €.

How Much Does an Associate Insurance Representative Make in Luxembourg?

An Associate Insurance Representative working in Luxembourg will typically earn around 28,680 EUR per year, and this can range from the lowest average salary of about 16,400 EUR to the highest average salary of 46,840 EUR.

These are average salaries for an Associate Insurance Representative in Luxembourg and include benefits such as housing and transport. It's also possible for an Associate Insurance Representative to earn more or less than the average salaries shown above.

Associate Insurance Representative salaries will vary a lot based on your experience, location, skills, and gender. Keep reading below to research more data on each of these areas.

Distribution of Associate Insurance Representative Salaries in Luxembourg

So we've looked at the average salaries an Associate Insurance Representative will earn in Luxembourg. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that an Associate Insurance Representative can earn between 16,400 EUR and 46,840 EUR on average in Luxembourg. This is known as the range in statistics.

The difference between the maximum and minimum values is a good indicator of variability in salaries, and can be used by employers to figure out how much they can expect to pay, and for employees to know how much they can earn.

Median salary

The median salary for an Associate Insurance Representative in Luxembourg is 28,180 EUR. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 28,180 EUR, and 50% of the population earn more than 28,180 EUR.

If you are earning more than the median salary, that's a good indicator that you are being paid well.

If you're not earning more than the median salary, your objective should be to increase your earnings to be at least as high as the median salary (which you can do by asking for a pay rise, looking for a better paying job, etc).

Percentiles

Percentiles are similar to the median salary, but instead of looking at the middle value, they look at the values in the top and bottom half of the distribution.

For the average Associate Insurance Representative salary in Luxembourg, 25% of the population are earning less than 19,480 EUR while 75% of the population earn more than 19,480 EUR.

75% of the population earn less than 34,980 EUR, and 25% of the population earn more than 34,980 EUR.

Like the median salary, the 25th and 75th percentile salaries can be used to determine which quartile you fall into so that you know whether you are being paid well enough compared to others in your profession and location.

Associate Insurance Representative Salary by Experience Level in Luxembourg

The most important factor in determining your salary after the specific profession is the number of years experience you have. It stands to reason that more years of experience will result in a higher wage.

We have researched the average Associate Insurance Representative salary based on years of experience to give you an idea of how the average changes once you've worked for a certain amount of time.

• 0 - 2 Years Experience. An Associate Insurance Representative in Luxembourg that has less than two years of experience can expect to earn somewhere in the region of 17,740 EUR.
• 2 - 5 Years Experience. With two to five years of experience the average Associate Insurance Representative salary would increase to 23,660 EUR.
• 5 - 10 Years Experience. From five to ten years of experience as an Associate Insurance Representative, the average salary would be 32,620 EUR.
• 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 36,020 EUR.
• 15 - 20 Years Experience. An Associate Insurance Representative with 15 to 20 years of experience can earn an average of 38,780 EUR.
• 20+ Years Experience. For an Associate Insurance Representative with more than 20 years, the expected average salary increases to 41,820 EUR.

Average Salary by Experience Chart

Associate Insurance Representative Salary by Education Level in Luxembourg

As well as experience in a job, your education plays a big role in how much you can earn. A lot of higher paying positions require a high level of education, but how much can a degree increase your salary?

In our research we have compared the salaries of employees in the same job and career level with different levels of education to see how much more you can earn at each education level.

The salary you can earn based on your education is very specific to both your location and the career path you choose.

In our research, we looked at the average salary for an Associate Insurance Representative in Luxembourg based on the education level of the employees in order to find out whether a better education level would increase your salary.

• Certificate or Diploma. An Associate Insurance Representative in Luxembourg with a certificate or diploma education can earn an average salary of 23,660 EUR.
• Bachelor's Degree. An Associate Insurance Representative in Luxembourg with a bachelor's degree education can earn an average salary of 32,620 EUR.
• Master's Degree. An Associate Insurance Representative in Luxembourg with a master's degree education can earn an average salary of 43,340 EUR.

Average Salary by Education Chart

Associate Insurance Representative Salary Compared by Gender

In the modern age, we know that there should never be a pay gap between men and women. Unfortunately, in many professions, there is still a significant difference between the salaries earned by men when compared to the salary of women in the same job.

In Luxembourg, a male associate insurance representative will earn an average of 31,400 EUR, while a female associate insurance representative will earn around 27,480 EUR.

This means that a male associate insurance representative earns approximately 14% more than a female associate insurance representative for performing the same job.

Average Salary by Gender Chart in Luxembourg

Associate Insurance Representative Average Pay Raise in Luxembourg

In many countries, an annual pay raise is often given to employees to reward their service with a salary increase.

From our research, we can see that the average pay raise for an Associate Insurance Representative in Luxembourg is around 10% every 17 months.

The national average pay raise across all professions and industries in Luxembourg is around 8% every 17 months.

In this case, we can see that the number of months between the average pay raise is higher than the typical 12 months.

To make the data more meaningful, we can calculate what the approximate annual pay raise would be using a simple formula:

Annual Increase = ( Increase Rate ÷ Months ) × 12

So for this example, it would be:

Annual Increase = ( 10 ÷ 17 ) × 12  = 7%

What this means is that an Associate Insurance Representative in Luxembourg can expect to receive an average pay raise of around 7% every 12 months.

Annual Pay Raise by Industry in Luxembourg for 2026

In the chart below, you can see the average annual pay raise percentages for each of the major industries in Luxembourg.

You will see that companies in bigger and more lucrative industries tend to have the higher annual pay raises.

Associate Insurance Representative Bonus and Incentive Rates in Luxembourg

Another part of your overall compensation in a job is how much bonus you receive. Some job roles will be more likely to pay a bonus than others and also more likely to have higher bonus rates.

Generally speaking, jobs that are more involved with direct revenue generation will receive higher bonuses based on the performance towards revenue goals.

An Associate Insurance Representative is a moderate bonus based job, with 50% of employees reporting at least one bonus in the last 12 months.

50% reported that they had not received any bonuses in the previous 12 months.

For the employees that did receive a bonus in the previous 12 months, the reported bonuses ranged from 4% to 5%.

Government vs Private Sector Salaries

Another commonly asked question is whether you get paid a higher salary working in the public (government) sector or the private sector.

Public sector employees in Luxembourg earn approximately 7% more than private sector employees in the same role.

Salaries for Jobs Similar to an Associate Insurance Representative

In the table below, we have salary information for jobs that are similar to an Associate Insurance Representative in Luxembourg.