Flexible and
tailor-made solutions

Products for individuals

Income-Tax deductible

These retirement contracts are specifically addressed to taxpayers resident in the Grand Duchy of Luxembourg or equivalent taxpayers.

111 LIR

Insurance premiums paid on a life insurance policy are deductible as special expenses up to €672 / year. This limit is increased by its own amount for the spouse and each of the dependent children.



111 bis LIR

Insurance premiums paid on an old-age pension contract are deductible regardless of the subscriber's age. The maximum amount deductible is €3,200 / year. This ceiling applies to each of the spouses who have taken out a contract. The minimum duration of the contract must be 10 years.

Capitalization and replacement products

The Integrale Luxembourg life insurance contracts allow you invest your savings or relocate your capital of group insurance with a guaranteed return (currently of 0.50%). You benefit from the flexibility of the modality of payment (capital or annuities) and the choice between the part allocated in case of life at the end of the contract or in the event of death before the term of the contract.

CAPI (Deferred Capital subject to the Repayment of the Reserve in the Event of Death)

CAPI is a fixed rate contract, which is "Deferred Capital subject to the Repayment of the Reserve in the Event of Death", or in other words a capitalization product.


CDAR (Deferred Capital with the Repayment of the Premiums Paid in the Event of Death)

The CDAR contract is a contract with a guaranteed return of the type 'capital guaranteed with refund of the premiums paid in case of death'. In case of life of the insured person at the end of the contract the capital will be paid to the beneficiary in case of life.


CDSR (Deferred Capital without the Repayment of the Premiums Paid in the Event of Death)

The CDSR contract is a contract with a guaranteed return of the type 'capital guaranteed without the refund of the premiums paid in case of death'. In case of life of the insured person at the end of the contract the capital will be paid to the beneficiary in case of life.


Mixed 10/10

The Mixed 10/10 life insurance is used to build up a capital or to pay a capital to the beneficiaries in case of death of the insured person before the end of the contract. 10/10 means that at the term of the contract the beneficiary will receive in the event of life the same capital insured that its beneficiaries would have received in the event of his death, before the term of the contract.


Mixed 10/20

The Mixed 10/20 life insurance is used to build up a capital or to pay a capital to the beneficiaries in case of death of the insured person before the end of the contract. 10/20 means that at the term of the contract the beneficiary will receive in the event of life the double of the capital insured that its beneficiaries would have received in the event of his death, before the term of the contract.


The annuity contract

In this type of contract, the beneficiary receives a periodic pension (mostly monthly) defined in the contract as long as the insured person is alive. At case of death of the insured person, if a survivor pension has been scheduled, a periodic survival pension (corresponding to a % of the retirement pension), is paid to beneficiaries designated in the insurance contract. This pension is paid as long as the designated beneficiaries are alive.

The annuity contract is the ideal solution for anyone looking to get regular income safely and with a guaranteed return.

Fast contact

Back to the top