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Immigrant Investor Program

The Foreigners in the Republic of Bulgaria Act and the Citizenship Act allows the acquisition of Bulgarian citizenship by investment to a foreigner in a total period of no more than two years.
The process consists of 2 stages. First, you must obtain a permanent residency permit under the Investor Visa The procedure takes from 4 to 6 months. After one year, you can apply for citizenship by doubling the investment or investing in a priority investment project certified as per the Investment Promotion Act. Citizenship application may be carried out in a maximum period of 6 months. So, in about 20-24 months you could get your Bulgarian passport.


Immigrant Investor Program Life Insurance Fast

According to Foreigners in the Republic of Bulgaria Act, Chapter 3, Article 25, one must invest into Bulgarian Stock Exchange Listed Equity, or into Bulgarian Government Bonds to meet the investment requirements of the program.

Our Life Insurance products are worldwide unique as we offer EU / Bulgarian citizenship via an investment into a fully secured Unit Linked Life Insurance with an underlying investment into Bulgarian Government Bonds.

Life Insurance Fast

Applicant invests a minimum of EUR 1,500,000 in a Unit Linked Life Insurance and holds it for 5 years.

  • Time to Permanent Residency – 6 months

  • Time to Bulgarian Citizenship – 18 months

  • Investment in EUR (Refundable) – 1,500,000

  • All-in Handling Fee in EUR (Non-refundable) – 30,000

About the Insurance Products

Our Life Insurance products are worldwide unique as we offer EU / Bulgarian citizenship via an investment into a fully secured Unit Linked Life Insurance with an underlying investment into Bulgarian Government Bonds. We spent several years to invent these outstanding Life Insurance products together with our Swiss Family Office, partnering with major insurance and insurance brokerage companies.

You can also pay for your Life Insurance investment in any cryptocurrency. Our Life Insurance company allows you to directly pay into their crypto wallet held in a fully licensed bank. Once your premium invoice is settled in crypto, it will be converted in EUR. Note that you can choose to keep some parts of your investment crypto.

After the minimum holding period of five years, you can surrender your Life Insurance policy in written form. Our Life Insurance company will dissolve your policy and will pay back your investment within 30 days. Of course, you can keep your policy running and can even top it up at any time if preferred.

Vienna Insurance Group - VIG Group is an Austrian Life Insurance company, founded in 1984 with more than 184,000 employees. It is an EU regulated group, with A+ S&P Rating and Stock-market listed, transparent balance sheet and financially stable.

Documentation & Further Information

If you want to know further details about this program apply now for a free private consultation call.


- Be over 18 years old
- Be a Non-European Union citizen
- Do not suffer from contagious diseases and / or serious health problems.
- Proof of net worth greater than €511,292
- Investment Certificate confirming a direct foreign investment of BGN 1,000,000 (€511,292), as per the statutory procedures, in a guaranteed governmental bond portfolio for a period of 5 years
- Proof of legitimate source of funds
- Clean criminal record in the country of residence and the country of birth
- Personal net worth greater than € 1,000,000 is required by the banks for the financed investment option.
- Power of Attorneys and Investment Agreement signed in a Bulgarian Consular service

جنسيات مقيدة

لا توجد قيود رسمية على أي جنسية

جنسية مزدوجة

الجنسية المزدوجة معروفة في {{الدولة}}. ليس مطلوبا منك التخلي عن جنسيتك السابقة لتصبح مواطنا {{للدولة}}.

مستندات مطلوبة

  • نسخة أصلية أو مصدقة من شهادة الزواج (إن وجدت)
  • نسخة أصلية أو مصدقة من شهادة الميلاد (إن وجدت)
  • نسخة مصدقة من جواز السفر
  • شهادة أصلية للتخليص من الشرطة
  • شهادة طبية
  • وثائق التصديق على الاستثمار في الأعمال التجارية
  • إثبات الثروة الصافية
  • إثبات دفع رسوم المعالجة غير المستردة ورسوم العناية الواجبة
  • تفويض محدود
  • بيان مصدر الأموال
  • عناوين الأصول المالية التي تم شراؤها
  • جنسية مزدوجة نعم
  • شمل أفراد الأسرة نعم
  • ملكية الارض نعم
  • إقامة جسدية مطلوبة لا
  • زيارة شخصية مطلوبة نعم
  • مهارات لغوية مطلوبة لا
  • مقابلة مطلوبة لا
  • استثمار واحد €1,530,000
  • استثمار الأسرة 4 €1,530,000
  • الحد الأدنى للدخل السنوي -
  • وقت المواطنة 18
  • وقت الإقامة الدائمة 6
  • دول خالية من التأشيرة 154
  • تمويل متاح نعم

تفاصيل الدولة

Sofia *
Europe *
Bulgarian *
The Republic of Bulgaria is a country located to the southeast of the European continent, member of the European Union. It borders Romania to the north, Serbia and the Republic of Macedonia to the west, Greece and Turkey to the south and the Black Sea to the east. Although being a relatively large country, its population is just over 7 million inhabitants. Most is concentrated in cities, mainly in its capital Sofia and to a lesser extent the UNESCO World Heritage Site’ Plovdiv and Varna. So, there are abundant large undeveloped natural areas. Bulgaria is well-known for its ski resorts in winter, its thermal water springs and its almost 200 km of Dead Sea’s beaches.

Its official language is Bulgarian and its official currency is the Bulgarian Lev (BGN), pegged to the EUR at a 1.95:1 ratio.

سفر بدون تأشيرة

مع جواز سفرك الجديد من {{الدولة}} ستتمكن من الدخول إلى الدول {{بدون تأشيرة}}.


Become a permanent resident or citizen of Bulgaria does not automatically make you a tax resident. To be a tax resident an individual must reside 183 days in Bulgarian territory in a tax year, or have a permanent address in Bulgaria, or have its center of vital interests in Bulgaria. The criterion of center of vital interests prevails for the one of permanent address. That is, someone who has a permanent address in Bulgaria, but whose vital interest center is in another country, may not be considered a resident for tax purposes.

Bulgaria has one of the lowest tax burden in the European Union. Tax residents are subject to tax on their worldwide income at a flat rate of 10%. A tax credit for foreign tax paid is usually available. Dividends and interest are subject to a final tax of 5% and 8%, respectively. Capital Gains are taxed at the standard PIT rate. Being exempted those gains derived from companies listed in the Bulgarian or a European regulated stock exchange, and those from properties held 3 years (1 property) or five years (other 2 properties).

Bulgaria does not have Controlled Foreign Company rules (CFC), which means that profits retained in foreign companies owned by tax-residents may not be subject to taxation.

Bulgaria levies a real property tax of between 0.01% and 0.45% on the tax value of the property. There is an inheritance and gift tax of between 0.4% and 6.6%, depending on the relationship of the beneficiary. There are no net worth and transfer taxes.

On corporate taxation, resident companies are subject to a 10% flat tax on their worldwide income. Dividends received from a Bulgarian resident entity or an EU/EEA company are not taxable. Dividends received from a non-EU/EEA resident are included as taxable income. A tax credit or exemption may apply under a tax treaty or a domestic tax credit if there is no tax treaty available. Capital Gains are considered ordinary income and therefore subject to CIT. However, capital gains from the disposal of shares listed in the Bulgaria Stock Exchange or in any EU Stock Exchange are fully exempted. If there is no tax treaty available, payments to non-residents are usually subject to a 10% withholding tax. Learn more about Bulgaria’s corporate taxation, legal framework and tax treaties at

This should not be construed as tax advice. Flag Theory | Passports.IO has access to a global network of qualified attorneys and accountants who can give you the proper advice for your particular circumstances. Contact us for further information.

  • ضريبة الأملاك نعم
  • ضريبة التحويل لا
  • ضريبة الميراث نعم
  • ضريبة القيمة الصافية لا
  • قانون الشركات الأجنبية الخاضعة للرقابة CFC لا
  • أيام الإقامة الضريبية 183
  • معدل ضريبة الدخل الشخصي 10%
  • معدل ضريبة أرباح رأس المال 10%
  • معدل ضريبة الدخل الاستثماري 8%
  • ضرائب إقليمية لا


Flag Theory | Passports.IO and our local law firm in Bulgaria, will handle all paperwork, and guide you through each step of the process to ensure that it is as fast, efficient and pain free as possible.

Steps to EU citizenship via Life Insurance
1. Sign client service agreement (2 days)
2. Fill in and sign all Life Insurance application forms (1 day)
3. Pay insurance premium (minimum of EUR 1,500,000) to the Life Insurance company (within 30 days)
4. Sign power of attorney with law firm in Bulgaria (1 week after insurance payment)
5. Gather requested documents (depending on the applicant, days to weeks)
6. Visit Bulgarian embassy at country of residence to apply for Visa D
7. Travel with Visa D to Bulgaria to apply for permanent residency, which is provided in about 4 months
8. After a waiting period of 12 months with permanent residency status, apply for Bulgarian citizenship
9. Pick up passport in Bulgaria, or at any Bulgarian embassy in the world. Having access to 153 visa-free countries makes the Bulgarian passport the 18th best passport in the world

For further information on Bulgaria’s immigrant investor program and fast-track citizenship, and detailed procedures, contact us for a free private consultation.

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