Outstanding balance insurance

Mortgage life insurance policies

Our mortgage/loan life insurance policies (TSRD) focus investissement provides life coverage to cover the capital amount borrowed for investments, typically mortgage loans and long-term investments related to purchasing business premises or when buying or building a home.

I protect myself against
the unexpected

Cover you can adapt to fit your needs

In the event of death

With a TSRD policy, we’ll pay back the balance of your mortgage to ensure your loved ones are not left with a heavy financial burden.

In the event of disability

The policyholder becomes eligible to receive the payout that is available at that given time should they become totally and permanently disabled.

Protection for your loved ones in the event of death or disability

By insuring your mortgage, you’re protecting your loved ones from financial hardship.

Tax optimisation

Insurance premiums for TSRD loan balance policies are income-tax deductible up to €672 per year, or double if you are married/for each additional child.

Bis zu 672 € jährlich zusätzlich für jede weitere Person im selben Haushalt.

If you pay a single premium, the annual deductible limit increases depending on your age and the number of children you have.

Right to be forgotten

At the end of 2019, Foyer Assurances signed the convention on the “right to be forgotten”, which entered into force on 1 January 2020.

This convention aims to facilitate access to loan balance policies for at-risk individuals with cancer and under certain conditions.

Renting your apartment or your house: what you need to know

Luxembourg’s population is expected to reach 1 million inhabitants in 2050 compared to 700,000 today. With this population growth, the demand for housing is exploding, both for purchasing and rentals. This is why the property rental market is attracting more and more investors looking for returns. For a rental to be successful, you should be well-prepared and protect yourself. Our article tells you everything you need to know to become a worry-free landlord or landlady!

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Housing in Luxembourg without breaking the bank: have you considered coliving?

When you arrive in Luxembourg, you’ll realise several things. In order: housing is expensive, there are many expats and newcomers, coliving is an excellent idea. Less expensive and comfortable, you can put your suitcases down and feel at home in good company.

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Property market in Luxembourg: all you need to know

Are you planning to move to Luxembourg and are you planning to buy a property? Allow plenty of time to find that rare gem, as demand far exceeds supply. You will also need a sizeable budget, because property prices are much higher than in neighbouring countries. Prices, help to buy and renovation subsidies, conditions to watch out for: we detail all these points for you in this article.

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Foyer blog

Find all our advice on the blog

You can discover all our articles written by experts to help you understand the world of insurance, give you the best advice and above all, help you prevent risks in your everyday life.

The insurance check-up, the central instrument of our advisory approach

As an insurer, our role is to guide you towards the type of coverage most suited to your daily activities so that you feel fully protected.

To help everyone clarify their situation, we have developed what we call the “customer assessment“. It’s a simple, intuitive tool that provides an overview of your insurance needs, defines your priority requirements and your medium- and long-term prospects, and guides you towards a personalised solution.

To take advantage of this service, just make an appointment with a Foyer agent, it’s free and with no obligation.

MyFoyer Client Area

In your MyFoyer client area, you can view your contracts, request a tax certificate or update your personal details.

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