Tax optimization | Foyer Lux-assurances

Protecting your future while reducing your taxes

The savings and investment insurance plans of Foyer Lux-Assurances help you to build up savings in Luxembourg for the future, ensure the protection of your loved ones and facilitate the transfer of your assets, all while benefiting from tax optimisation.

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Life insurance

Retirement savings

When the time comes to retire, the amount of your statutory pension is always much lower than the amount of your last income. The solution to this income gap can be found in retirement savings insurance.

HORIZON

Horizon de Foyer Lux-Assurances is a flexible supplementary pension plan linked to a range of investment funds. You are free to choose the frequency and amount of the premiums you pay. At the end of your contract, you are free to dispose of the capital in the form of a monthly life annuity or a single payment.

Up to

3200€

tax deductible

(article 111 L.I.R.)

The conditions:

The minimum duration of the contract is 10 years
The term age of the contract is minimum 60 years old and maximum 75 years old.

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Provident savings

In addition to your life projects such as a nice trip or the renovation of a new house, you want to build up savings and ensure the protection of your loved ones? Our range of pensions and savings products are perfectly suited to these needs and even offer you tax savings.

helios invest

With a fixed monthly investment, stock market returns allow you to build up savings for the medium or long term while ensuring the protection of your loved ones.

Up to 672€ tax deductible per household member (article 111 of L.I.R.)

nova

What parent doesn't want to help their children while taking advantage of tax deductions? Look no further, nova is the right solution for you.

You choose the amount invested each month, which will create the savings capital that your child can claim at the end of the contract.

Up to 672€ tax deductible per household member (article 111 of the L.I.R.)

Up to

672 €

tax deductible per household member

(article 111 of L.I.R.)

Jusqu’à

672€

tax deductible per household member

(article 111 of L.I.R.)

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Death insurance

Other products giving rise to tax optimization

The focus finance insurance of Foyer Lux-Assurances covers the outstanding amount (SRD) of your loan in case of death: the balance of your credit is then paid directly to your bank and your debt is repaid in full.

With chronos, you also insure a capital amount in the event of death, which will be paid out to the beneficiary of your choice.

Premiums for civil liability insurance (vehicle liability, home liability, personal liability). Premiums for property damage, theft, glass breakage, fire or legal protection are not deductible in the premium amount of your mobile insurance.

However, the amount of the protected driver guarantee is deductible in Luxembourg.

The contribution to your medicis supplementary health insurance is also tax deductible.