11. What are the consequences of the Brexit for the insurance distribution in UK by Luxembourg based companies? 12. Double tax treaties are meant to reduce withholding tax. Why can you apply them with a life assurance and not with a personal bank account? 11. What are the consequences of the Brexit for the insurance distribution in UK by Luxembourg based companies? 12. Double tax treaties are meant to reduce withholding tax. Why can you apply them with a life assurance and not with a personal bank account