Help your children make their dreams come true! lalux-Education
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lalux-Education

lalux-Education allows you to ensure that a set amount of money is paid to your children at a given time, no matter what happens to you.

If you die before you complete your savings plan, the agreed-upon amount will still be paid according to the terms you choose. Your children will thus have the means necessary to continue their education or to settle down in life.

In addition, lalux-Education benefits from a favourable tax framework. Not only your savings do come with a guaranteed return, but you also benefit from tax deduction for your insurance premiums.

Advantages

Flexible savings

You are free to decide how much you want to invest in preparing for your children’s future. The guaranteed capital will be fixed on the basis of this amount.  You can also opt for a monthly payment that easily fits your budget.

Tax deductions

Up to 45 % of the premium invested, depending on your income, provided that the term of your contract is a minimum of 10 years.

Capital or annuity – the choice is yours

At the end of your contract, you can choose how your children will benefit from the savings you have chosen to dedicate to them. When the time comes, they either have direct access to the full amount or benefit from it in the form of an annuity for a defined period of time.

Whichever you choose, these amounts are not taxed.
You also choose the age at which you want them to benefit from this financial contribution.

Guaranteed interest rate and profit sharing

The minimum interest rate on your savings is set by the insurance supervisory authority (the Commissariat aux Assurances).
An additional profit-sharing rate is set annually according to the company’s results and the evolution of interest rates on the financial markets.

Options

Accident Option

In the event of accidental death, the insured capital can be up to four times higher. And in the case of a traffic accident, the insured sum can be paid up to seven times.

Total disability Option

This allows, at the very least, the suspension of premium payments while maintaining the guarantee of payment of the defined amounts. In the event of total physiological disability, the amount provided for in the event of death is paid immediately.

Documents

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Flyers

lalux-Education

Savings for children : foresight and security

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Not just for parents !

lalux-Education is for all friends and relatives who wish to participate in building the future of a child who is dear to them, even if they are unrelated.