Grow your capital

You are looking to diversify your savings by taking advantage of stock market returns while optimising your estate planning.

An investment solution that fits your investment objectives


smartlife is a multi-vehicle life insurance policy with no charges on deposits and withdrawals. Investments can be allocated between the units of account and a vehicle with a guaranteed rate providing significant flexibility.

The investment plan that adapts to your rhythm and your projects

smartlife 25

Capital protection
  • 25% unit-linked funds
  • 75% at a guaranteed rate

smartlife 50

A balance between growth and security
  • 50% unit- linked funds
  • 50% at a guaranteed rate

smartlife 75

Attractive yield prospects
  • 75% unit-linked funds
  • 25% at a guaranteed rate

smartlife 100

Long-term growth
  • 100% unit-linked funds

Access to different units of account vehicles

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

CapitalatWork Foyer Umbrella
Name Currency Date NAV YTD 1 year 3 years 5 years
Annualized return in %
Switching into different funds or markets is possible if wish to change your investment situation

In the event of death before the contract term, Foyer will pay the amount accumulated to a beneficiary(s) who are chosen by the policyholder.

Key features

Estate planning

You are free to appoint the beneficiaries of your smartlife policy in the event of death, a choice you can amend at any time free of charge.

Responsible management

Your savings are managed by a team of experienced asset managers. They aim to strike the right balance between risk and yields so as to profit from performance on the financial markets.

Attractive yield prospects

Depending on your investment horizon, smartlife offers you many opportunities to grow your savings through a variety of guaranteed and variable capital options.

Optimum protection of your savings

Luxembourg life insurance policies provide unlimited security on the deposited assets. The capital of your policy is separated from the assets of the insurance company and the custodian bank. This “super-privilege” enables you to recover your assets ahead of any other creditor of the company.

Your money is always available

You can withdraw all or part of your savings at any time.

Savings not taxed on payout

When the policy matures or in the event of partial or total withdrawal, the benefit payable to you is tax exempt.

MyFoyer Client Area

In your MyFoyer Client Area, you can view your policies, monitor the trends and performance of your investments, and request attestations or tax certificates.


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