There is a solution for every objective Life insurance solutions from LALUX

Life insurances
Customers/Insurances/Life

Life insurances

Life insurances

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Life insurance policies offer ideal protection against the uncertainties of life. They can offer appropriate solutions to protect your family, make your capital grow, plan your retirement or insure your mortgage.

LALUX provide a wide range of products adapted to your needs, your financial condition and your family situation.

Discover the different LALUX life insurance policies

easyLIFE Pension

Save for a supplementary pension while benefiting from significant tax advantages. easyLIFE Pension offers 2 formulas : one with a guaranteed capital and another with the possibility to invest in investment funds.

easyLIFE Foresight

Ensure the living standard of your loved ones or guarantee the continuity of your business in the event of your death. easyLIFE Foresight insurance is a classic preventive solution.

easyLIFE Education

Do you consider protecting your children and insuring their future even in the event of death? With easyLIFE Education, you opt for an insurance endowment with a guaranteed return.

easyLIFE Mixed

easyLIFE Mixed allows you to combine your savings with an ideal protection for your loved ones and allows you to benefit from tax advantages.

easyLIFE Invest for Future

Are you looking for an attractive, responsible alternative that is in line with your ethical, social and environmental values? easyLIFE Invest for Future allows you to build up savings with the possibility of capital protection while contributing to a more sustainable world.

easyLIFE Mortgage

Primordial in the context of financing by bank loan, easyLIFE Mortgage allows you to protect your family from financial problems in the event of a serious situation.

Why choose a life insurance by LALUX?

An expert Group with a strong shareholder base

The LALUX Group has long-standing expertise in life insurance solutions. Its solid shareholder base, consisting of Compagnie Financière LA LUXEMBOURGEOISE and Spuerkeess, offers you maximum security.

Benefit from tax advantages

Depending on the contract chosen, Luxembourg's tax framework allows you to benefit from attractive deductions. In accordance with Article 111 of the Luxembourg Income Tax Law (L.I.R.), premiums for life, death, disability, illness, accident, civil liability, or rental risk insurance are deductible up to €672 per year per member of the household. The deduction can represent up to 45% of the premium invested, depending on income.

Single premiums for mortgage insurance are also fully deductible if the contract covers a loan linked to the main residence. In addition, Article 111bis of the L.I.R. allows up to €4,500 per year to be deducted for retirement savings contracts such as easyLIFE Pension, subject to conditions of duration and age.

All tax benefits

Guarantees specific to the insurance sector

Investors in life insurance products are particularly well protected by Luxembourg law.
The assets linked to your contracts are deposited with a custodian bank selected by the supervisory authority for the sector, the Commissariat aux Assurances, and are distinguishable from the company’s own assets. Thus, in the event of a problem, you have – collectively with the other investors –  priority to recover your assets.

LALUX - a service of excellence

The LALUX team is multilingual (English, French, German, Luxembourgish), highly qualified and with proven expertise in the field of life insurance.
LALUX is the leading life insurer in Luxembourg and the leader in complementary pension plans for companies. More than 35,000 employees of some 2,000 corporate clients benefit from the comprehensive coverage provided bylalux-Staff Protect.