Protect your future and reduce your taxes.

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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 (or pension scheme) solutions, you can close this gap.

horizont 60 invest

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.

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

Up to €3,200
in tax gain
(Article 111A of Luxembourg Income Tax Law)

zenith 60

Flexible supplementary pension scheme with capital guaranteed which includes life insurance.
You are free to choose the frequency and the amount of premiums paid.
At maturity, you may opt for a reimbursement (full or in instalments) or a monthly lifetime annuity.

Up to €672
in tax gain/member of the tax household
(Article 111A of Luxembourg Income Tax Law)
pieds

Insurance-savings 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.

helios invest

By investing the same amount each month, you take advantage of the stock market returns to build up your savings in the medium or long term and protect your loved ones.

Up to €672
in tax gain/member of the tax household
(Article 111A 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
in tax gain/member of the tax household
(Article 111A of Luxembourg Income Tax Law)

Homebuyer savings plans

By combining Schwäbisch Hall homebuyer savings plans with your mortgage, you can finance your home or build savings while enjoying tax benefits.

Up to €672
in tax gain/member of the tax household
(Article 111A 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
in tax gain/member of the tax household
(Article 111A of Luxembourg Income Tax Law)
couple

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
in tax gain/member of the tax household
(Article 111A of Luxembourg Income Tax Law)

Need advice? Our agents are there to support you

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Foyer agents are by your side to help you identify the tax optimisation solutions that suit you. Remember to prepare your return well before the year-end in order to have the time to take out tax deductible insurance plans.