Save now while reducing your taxes! easyLIFE Pension, for a comfortable retirement
Customers / Insurances / Life / Pension

easyLIFE Pension

easyLIFE Pension allows you to supplement your retirement income while benefiting from tax reductions every year.
Do you need work done on your home? A second home? A long trip? Whatever your project, thanks to your personal pension plan, you can make it happen.

Advantages

Pay less tax

Each year, the premiums reduce your taxable income.

The annual deductible amount is € 3.200 per taxpayer. This gives you an immediate advantage in preparing for your retirement.
 

Your savings are flexible

In order to always feel free, you save at your own pace and according to your financial capacities:
 - you can open a contract from EUR 25 per month,
 - you adjust the premium amounts whenever you wish

An investment that suits you

Depending on your investor profile, you can choose between the Security or Performance formula from easyLIFE Pension, whichever one suits your security requirements and performance wishes.

Lump sum or annuity – it’s up to you

At maturity, your savings remain flexible and are available in the form of capital or monthly life annuity, or even a mix of capital and life annuity.

Protect your loved ones

In the event of death before the end of the contract, your beneficiaries have access to the fruits of your savings.

Also available for cross-border commuters !

As a cross-border commuter, you can take out pension insurance while reducing your taxes every year. 

Investment formulas

The security formula, for guaranteed savings

Do you value security and want the amount you saved to be guaranteed no matter what?

Opt for the Security formula which offers you a minimum interest rate for your savings set by the insurance supervisory authority, the Commissariat aux Assurances.

From the 3rd year on, an additional Profit Participation rate may be set annually based on the company's results and depending on changes in financial market interest rates.

The Performance formula for a potentially higher return

Do you prefer a potentially higher return on your savings, while accepting a certain level of risk for yourself?
Then opt for the performance package that allows you to take full advantage of the stock market performance of a selection of investment funds managed by BCEE Asset Management S.A., an investment advisory company set up by Spuerkeess and LALUX.
Depending on your investor return, you are recommended a combination of up to three funds that suit you best.
In the event of death, your beneficiaries are guaranteed to receive at least the sum of the premiums you have invested from the start of your contract, regardless of the results of your funds.
This means you can take your first steps on the stock market with complete peace of mind, by securing the amount left to your loved ones in the event of your death.

Documents

Lalux Document Img Alt
Flyers

easyLIFE Pension

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Preparing your retirement now !

Retirement is accompanied by a drop in income. The amount of your statutory pension will be less than your last salary.Therefore, it is advisable to anticipate and start saving as early as possible!
Furthermore, the balance of pension plans is regularly called into question given the uncertainties of economic growth and increasing life expectancy.

For that reason, it is important to prepare for retirement as early as possible.