Having fun thanks to tax savings ! easyLIFE Pension

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easyLIFE Pension allows you to build up additional income for your retirement and benefit from tax reductions every year. Discover all the advantages of the easyLIFE Pension retirement savings plan.

Use our smart simulators to calculate the amount of your statutory pension and the tax savings you can make with easyLIFE Pension.

Calculate the amount of your pension

The amount of your statutory pension will be lower than your last salary. Estimate the amount of your pension now, anticipate your needs, and adjust your retirement planning strategy today.

Calculate your pension tax gain

Single
Married / civil partnership
min: € 300 /year /person, max: € 4.500 /year /person

Estimated tax gain

What is the easyLIFE Pension?

easyLIFE Pension is a pension insurance policy (old-age foresight) that allows you to obtain a complementary income at retirement while benefiting from considerable tax reductions each year (L.I.R. 111bis). Accessible from just €25 per month, this policy is perfectly adapted to both residents and cross-border workers who wish to optimise their tax payments while building up retirement savings. It fulfils the legal requirements in terms of duration and starting age, thus ensuring a secure tax framework.

Treat yourself with tax savings: a trip? a day of shopping? a good restaurant? Simulate your tax savings and request a quote for an easyLIFE Pension insurance!

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easyLIFE Pension

Pension insurance policy (old-age foresight insurance) allowing you to benefit from tax gains and to build up capital for your pension

What are the advantages of easyLIFE Pension insurance?

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.

A pension insurance policy that is also available to cross-border workers!

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

What are the 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.

Informational videos

easyLIFE Pension

The pension reform

Frequently asked questions regarding easyLIFE Pension:

From what age can I take out private pension insurance?

You can start investing in a pension as soon as you enter the world of work. There isn’t a specific age limit, but the earlier you start saving, the more you optimise your tax savings and increase your capital for retirement. The contract should last at least 10 years and reach maturity between the ages of 60 and 75 years old.

Can I surrender my contract before the end of the term?

It is possible to surrender your contract early, but you will lose the tax benefits gained in previous years. It is therefore important to assess the tax impact before making a decision. Since this contract is intended for retirement, exiting your contract early is strongly discouraged, other than in exceptional circumstances (severe illness, or disability).

Can I temporarily pause my contributions?

Yes, the formula is flexible. You have the option to pause or modify your payment contributions according to your financial abilities. However, to maintain your tax benefits, certain conditions must be met, specifically the regularity and minimum duration of payment over 10 years.

How are my tax savings calculated?

The premiums paid are deductible up to a limit of €4,500 per year and per person. The tax gains depend on your marginal tax bracket. We provide you with a simulator to estimate your tax gains.