Tax optimisation

Protect your future and reduce your taxes

Foyer’s savings and investment life insurance plans help you build savings for the future, facilitate the transfer of your wealth and protect your loved ones; all this while optimising your taxes.

I optimise
my tax

Our SOLUTIONS

Discover our solutions for optimizing your tax return

Retirement savings solutions

Upon retirement, the amount of your statutory pension will be seriously reduced compared to the amount of your last income. With retirement savings insurance solutions, you can close this gap.

horizon

Flexible supplementary pension scheme linked to a range of investment funds . You are free to choose the frequency and the amount of premiums paid. When the policy matures, you may choose to have the capital in the form of a single payment or a monthly lifetime annuity.

Up to 3200€ tax deductible (Article 111 bis of Luxembourg Income Tax Law)

Conditions :

  • The minimum contract term is 10 years.
  • The contract maturity age is minimum 60 years and maximum 75 years.

protect4life

A solution that allows you to anticipate your financial future and that of your loved ones with peace of mind by combining life insurance and savings to suit all your needs.
protect4life grows with you, giving you the chance to personalise your cover to suit your family and professional situation.

Up to 672€ tax deductible (Article 111 of Luxembourg Income Tax Law)

The personal protection solution

In addition to projects like home renovation or going on a long trip, do you want to protect your loved ones and your income and save gradually? Our personal protection solution meets these needs and will even allow you to save on taxes.


Life insurance

As part of a financial loan, life insurance enables you to secure a debt and protect your loved ones in times of need. According to the chosen solution, you guarantee your loved ones a stable financial future.

focus financement

focus financement covers the outstanding amount (TSRD) of your loan in the event of death. The balance of your loan is paid to your bank and your debt is paid off.

focus investissement

Have you found your future home? Our focus investissement loan balance policy (TSRD) covers mortgage loans and long-term investments to buy or build your family home.

Up to 672€ tax deductible (Article 111 of Luxembourg Income Tax Law)


wüstenrot

Created in 1921, Wüstenrot Bausparkasse AG is the oldest and one of the largest building societies in Germany. Its Luxembourg branch, located in Munsbach, deals with all home purchase savings requests from Foyer customers.

Up to €672 tax deductible per household member (article 111 of the L.I.R.). For taxpayers aged between 18 and 40, the ceiling is doubled to €1,344 per household member.

Homebuyer savings plans

By combining home savings with your mortgage, you can finance your home or build up savings while enjoying tax benefits. Thanks to the home savings solutions offered by our partner Wüstenrot, you can deduct the contributions paid into your contract from your taxable income.


Other tax deductible products

  • The premiums for third-party liability (for motor vehicle, home, private insurance). In the premium amount of your mobilé insurance, the premiums for cover for equipment damage, fire, theft, glass damage or legal cover are not deductible. However, the amount of the protected driver cover is deductible.
  • The contribution to your medicis extended healthcare cover is also deductible.

Up to 672€ tax deductible per household member (Article 111 of Luxembourg Income Tax Law)

Taxation: why is Luxembourg attractive?

Luxembourg is the most attractive country in Europe for international job seekers. In fact, three out of four employees in the country are foreign nationals and 47% of workers are cross-border workers. What role does taxation play in the country’s appeal? Is it really lower than in neighbouring countries? Also, is it more advantageous to be a worker living in Luxembourg or a cross-border worker? Here are a few answers.

More info
Invest in your plans

Do you have lots of ideas for the future? Do you dream of buying a country house, sailing around the world, building a veranda or helping your children or grandchildren get a good start in life? Today, saving is no longer enough to bring your plans to life. So Foyer has come up with some tailor-made investment solutions that combine the benefits of life insurance with the returns of the financial markets while keeping your money available at all times.

More info
Young professionals: which personal protection insurance is best for you?

According to the European Statistical Office Eurostat, 19.2% of 15-29 year-olds were employed in 2021. If you want to enter the world of work with peace of mind, personalised protection is essential to guard against life’s unpredictability. So, how do you insure yourself in the event of disability? Let’s discover the importance of choosing a personal protection insurance adapted to your needs as a young professional.

More info

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.

agencies
at your service

Contact me

* Mandatory fields

By requesting our services, you are informed that Foyer Group (Foyer Assurances, Foyer Santé, Foyer Vie and Foyer Arag, Raiffeisen Vie, Foyer Distribution) is authorised to contact you for pre-contractual purposes.

An error occurred.
Please try again in a few moments.

Your request has been sent to us.

Man in coffee shop, laptop and smartphone, small business and entrepreneur in hospitality industry and connect. Male owner, cafe franchise and check email or social media with digital admin on pc


Contact our experts and we will provide you with a quick response.