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.
A life insurance contract is a commitment between a subscriber and an insurance company, which aims to pay out a capital or an annuity to one or more designated beneficiaries, either at the end of the contract or in the event of the insured party’s death. It allows you to combine financial protection with building up capital, according to the objectives defined by the policyholder.
Find out more about life insurance
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.
Depending on your chosen contract, the Luxembourg tax framework allows you to benefit from valuable deductions. In accordance with Article 111 of Luxembourg’s income tax law (L.I.R.), premiums paid into Life, Death, Disability, Sickness, Accident, Civil Liability or Rental Risks insurance, are deductible at up to €672 per year and per member of the household. This deduction can represent up to 45% of the premium paid, depending on the income.
Single premiums for Mortgage insurance are also entirely deductible if the contract covers a loan for the main residence. In addition, Article 111bis L.I.R. allows you to deduct up to €4,500 per year for a retirement savings plan such as easyLIFE Pension, subject to conditions regarding duration and age.
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.
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.
