Personal protection

Protect your loved ones and your income

Would you like to protect your family in the event of death or disability?
With protect4life, Foyer offers you a personal protection insurance solution that adapts to your family and professional situation, while reducing your tax bill.

I protect my
family and my income


A flexible solution that adapts to the rhythm of your life

protect4life is a personal protection-savings policy with periodic premiums and a minimum 10-year term. Depending on your needs, you can:

  • ensure a lump sum will be paid out to the beneficiary of your choice in the event of your death,
  • ensure an annuity for your children,
  • protect your income in the event of disability,
  • build up savings,
  • grow your capital.

What are your needs?

You don’t have to choose between protecting your loved ones, your income or building up savings.
Foyer offers you a solution that combines protection and savings while adapting to your needs.

Your main benefits

You have a choice of cover in the event of death:

A lump sum paid to the beneficiary(ies) at the time of death.

A lump sum paid out at the end of the policy on an agreed date (deferred lump sum) to help provide for your children’s higher education.

A lump sum or annuity paid up to your children’s 27th birthday to provide for their daily needs.

Your optional cover

disability pension to protect your income.

Useful cover if, for example, you are self-employed, a new arrival or just starting out in your professional life.

Gradual savings to finance your future plans.

Useful cover if you want to build up capital while benefiting from stock market returns.

You wish to optimise your taxation?

  • Under the terms of article 111 of the Income Tax Law, you can deduct premiums paid into a life insurance policy and additional cover premiums from your income taxes.
  • Savings-personal protection : You can deduct up to €672 a year per member of your household.


The choice of different investment vehicles to allocate your savings

1 capital protection option to provide balance between growth and security.
(Within the limit of 50% of your investments)

6 variable capital investment vehicles that offer greater performance, including 2 ESG vehicles to give meaning to your investments by adopting a responsible approach.

Access to different unit-linked investment vehicles

To benefit from interesting yield prospects, you also have access to different funds.
They enable you to invest according to your investment horizon and your risk profile.

Currency Date NAV YTD 1 year 3 years 5 years
ESG Bonds at Work CurrencyEUR Date15/07/2024 NAV152.28 YTD0.21 % 1 year4.32 % 3 years-0.95 % 5 years0.48 % Download details
ESG Equities at Work CurrencyEUR Date15/07/2024 NAV229.99 YTD8.74 % 1 year15.92 % 3 years6.68 % 5 years11.27 % Download details
Contrarian CurrencyEUR Date15/07/2024 NAV1114.02 YTD7.32 % 1 year13.68 % 3 years5.97 % 5 years10.35 % Download details
Defensive CurrencyEUR Date15/07/2024 NAV198.54 YTD1.27 % 1 year6.19 % 3 years1.04 % 5 years3 % Download details
Balanced CurrencyEUR Date15/07/2024 NAV211.98 YTD3.46 % 1 year9.29 % 3 years3.19 % 5 years5.9 % Download details
Dynamic CurrencyEUR Date15/07/2024 NAV261.87 YTD5.74 % 1 year12.26 % 3 years5.1 % 5 years8.54 % Download details

Annualized return in %

Key features protect4life

Protection for your loved ones
In the event of death or disability, you or your loved ones benefit from the amount set when you took out the policy.
You can modify the cover to suit your needs and situation.
Savings not taxed on exit
Both the benefit payable on policy maturity and the death benefit are tax free.
Attractive potential returns
You have access to a range of funds that allow you to benefit from stock market performance.
Responsible management
The management of your savings is ensured by a team of experienced CapitalatWork managers. They aim to strike the right balance between risk and yields so as to profit from performance on the financial markets.
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According to statistics, the average loss in income is 25%. You may feel this decrease might restrict your choices in life, particularly at a time when you have more time and spend more.

So what is the solution? In Luxembourg you can profit from the latest tax initiatives which allow you to save for the future (with growth) within tax efficient investment products. . It is never too late to think about your retirement to ensure you have greater financial control and remember, the earlier you prepare for your retirement, the more you will accumulate!

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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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