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.

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.
protect4life is accessible from €25 per month.

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

  • A 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.

Key features

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.

The choice of different investment vehicles to allocate your savings according to your needs

picto horizon capital garanti
1 capital protection option to provide balance between growth and security.

Within the limit of 50% of your investments
picto horizon capital variable
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 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.

CapitalatWork Foyer Umbrella
CapitalatWork Foyer Umbrella
Name Currency Date NAV YTD 1 year 3 years 5 years
Annualized return in %

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.

MyFoyer Client Area

In your MyFoyer Client Area, you can view your policies, request attestations or tax certificates or update your personal data.

Contact me

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