Private insurance (Individual policies)

Tax-deductible products (Arts. 111 and 111 b of the Loi de l'Impôt sur le Revenu (LIR, Income Tax Act))

These products are specifically targeted at taxpayers who are resident in the Grand Duchy of Luxembourg or equivalent taxpayers.
 

111 LIR


The insurance premiums paid under a life insurance contract are deductible as special expenses up to a level of € 672 p.a. This ceiling is increased by the same amount for the spouse and each of the dependent children.

For more information, download the Key Information Documents.
 

111 b LIR


The premiums paid under an old age pension fund contract are deductible regardless of the age of the subscriber. The maximum deductible amount is € 3,200 / year. This ceiling applies to each spouse who has signed a contract. 

For more information, download the Key Information Documents.
 


786

The “786” contract is a guaranteed rate contract of a "Deferred capital with repayment of the fund in the event of death” type, otherwise called a “capitalisation”.

  • Key Information Document Integrale 786 MIX 10/20 (periodic premium)
  • Key Information Document Integrale MIX 10/20 (single premium)
  • Key Information Document Integrale 786 CAPI (periodic prime)
  • Key Information Document Integrale 786 CDAR (periodic prime)
  • Key Information Document Integrale 786 mixte 10/10 (periodic prime)


For more information, download the Key Information Documents.
 


Reinvestment products

These are products guaranteeing regular income for a period of 8 years with partial or total consumption of the capital invested.

 

For more information or a customised project, telephone Maryline Hacquard (00352 40 66 90 308) or contact us by email.