Group insurance

Grand Duchy of Luxembourg

The aim is to guarantee, above and beyond statutory entitlement and as a supplement to this, additional income in the event of retirement, death or invalidity. These schemes come under the RCP Act of 8th June 1999 on supplementary pension schemes.

For more information, download the product file here.


France

Integrale 83


Integrale 83 is a contract with defined contributions that meets the requirements of Article 83 of the Code Général des Impôts (CGI, General Taxation Code). The aim is to guarantee the employee a supplementary income in the form of a life annuity at the time when he retires.

For more information, download the product file here.

Integrale IFC


Employees who have achieved a minimum length of service by the time they retire are entitled to an indemnité de fin de carrière (IFC, retirement benefit) determined on the basis of their length of service and of the collective agreement that covers them. For various reasons, the employer has an interest in contracting out this commitment to an insurance company.

For more information, download the product file here.


Schemes for expatriates

Integrale Luxembourg offers customised solutions to deal with the very specific problems of expatriates. The aim is to ensure that the guarantees of statutory and supplementary pensions given to employees in their country of origin before expatriation are not reduced by the fact of this expatriation.

For more information, download the product file here.