Maintain your standard of living

When you retire, your statutory state pension will be considerably lower than your final income.

By starting to build up supplementary retirement savings now, you will be able to bridge this gap and ensure you have a more choices when you retire while taking advantage of tax benefits.

2 solutions to prepare for your retirement


A supplementary pension plan to accumulate retirement savings while taking advantage of stock market opportunities.
  • Your payments are invested in investment funds. These funds are managed on a daily basis by our specialists at CapitalatWork depending on your investor profile.
  • Should you die before the policy matures, the amount accumulated until then is paid back to the beneficiaries in which you are free to designate.
  • The amounts saved are deductible for income tax purposes in accordance with article 111bis of the Income Tax Law.


A supplementary pension plan to save safely while protecting your loved ones.
  • Your savings are guaranteed: every year, your money grows in line with the profit-sharing granted by Foyer Vie. This profit-sharing is added to your savings.
  • Your policy includes term insurance, but you can take out additional cover to maximise the protection of your loved ones: life, road accident or disability risk cover.
  • The amounts saved are deductible for income tax purposes in accordance with article 111bis of the Income Tax Law.

Key features

You are free to choose the frequency and size of the premiums paid.
You choose how you wish to access your funds
At retirement (between the ages of 60 and 75), you can opt for: a monthly lifetime annuity, free access to all or part of your capital, or a mix of the two.In the event of disability or serious illness, your interest or capital may be paid out before you reach retirement age.
Savings not taxed on exit
With the zenith 60 solution, whether you choose to recover your capital in full or by monthly transfer, the amounts saved are net of tax.

Tax optimisation

Under the terms to articles 111 and 111 bis of the Income Tax Law, it is possible to deduct from your taxable amount the Providence Life Insurance premiums contract and the premiums paid premiums paid under a life insurance policy.


You can deduct up to €3,200 a year under your horizont60 invest policy.


You can deduct up to €672 a year per member of your household.

Espace client MyFoyer

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


Contact me

Illustration - Message sent
Your request has been sent to us
The postal code allows us to assign you an agent in the local community most suited to your needs, such as your home or work.
By providing your contact details, you agree that Foyer Group (Foyer-Assurances S.A., Foyer Santé, Foyer Vie et Foyer Arag, Raiffeisen Vie, Foyer Distribution) is able to contact you about its policies. No personal data should be included in the comments field, to ensure appropriate protection.
Confirmation of your contact request

Thank you for your confidence!

A Foyer advisor will contact you as soon as possible.

Green check
There was an error!
Please try again later...

Get assistance to optimise your tax return

Find all our advice on the blog

Mortgages: what happens if the borrower dies?

In most cases, your house or flat is your family’s most valuable asset. It is your home and the place where your memories are, which makes it...

How can you ensure you are well prepared for your retirement?

What will your income be once you’ve retired? Not many people can answer this question, but it’s an important one. Retirement can be a good and lon...

Completing your Luxembourg tax form: hints and tips

Most Luxembourg citizens and cross-border workers must complete a tax declaration in Luxembourg every year. The declaration gives you the opportuni...

Investing for the long term? The reasons to think about it now.

Investing for the long term is essential to maximise the growth potential of your savings, whatever the size of your savings. Here are the advantag...

Are you interested in taking out several life insurance policies?

Legally, nothing is stopping you, and it may be beneficial for certain financial or family situations. We explain to you precisely what a life insu...