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.
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 Spuerkeess Asset Management, 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.
Death capital is equal to the accumulated savings determined by the equivalent value of the units of investment funds linked to the contract at the time of the insured person’s death.
Pension insurance policy (old-age foresight insurance) allowing you to benefit from tax gains and to build up capital for your pension
lalux-Staff Protect (employees)
Has your employer taken out a lalux-Staff Protect supplementary pension scheme for you, which prepares your retirement and guarantees you additional security in the event of death and disability? Complete it with personal contributions and take advantage of tax advantages!