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.
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)
The conditions:
- The minimum contract term is 10 years
- The contract maturity age is minimum 60 years and maximum 75 years.
Insurance based saving solutions
In addition to projects like home renovation or going on a long trip, do you want to save money and protect your loved ones? Our range of insurance savings products meets these needs and will even allow you to save on taxes.
Up to
672€
tax deductible per household member
(Article 111 of Luxembourg Income Tax Law)
nova
Are you a parent and want to give your children a boost while reducing your taxes? nova is the ideal solution.You choose the amount to invest per month, which will determine the savings build up your child will be entitled to at the end of the policy.
Up to
672€
tax deductible per household member
(Article 111 of Luxembourg Income Tax Law)
Life insurance
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.With chronos, the capital can be paid out to a beneficiary of your choice in the event of death.
Up to
672€
tax deductible per household member
(Article 111 of Luxembourg Income Tax Law)
Homebuyer savings plans
By combining Wüstenrot homebuyer savings plans with your mortgage, you can finance your home or build savings while enjoying tax benefits.
Up to
1344€
tax deductible per household member
Other tax deductible products
Premiums for third party liability insurance (vehicle liability insurance, home liability insurance, private liability insurance).
In the amount of the premium for your mobilé insurance, the premiums for cover for damage to property, fire, theft, glass damage or legal protection are not deductible. However, the amount of for protected driver insurance 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)
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