lalux-Staff Protect - companies
lalux-Staff Protect is a supplementary pension scheme financed by you to provide additional security for your employees in case of retirement, death or invalidity.
This flexible and fiscally attractive product is an important part of the modern salary package. In order to satisfy your requirements, lalux-Staff Protect has been developed to offer you various ranges of comprehensive and financially attractive insurance cover.
An attractive fiscal framework
The premium for your lalux-Staff Protect is considered an operating expense and is therefore tax-deductible (maximum 20% of the annual pensionable income). For your employees, the premium is exempt from social security contributions. You can complete your salary package with a more advantageous alternative to a pay rise.
Free choice of investment for your employees
Depending on your business plan, your employees themselves determine the proportion they wish to devote to the types of investments offered: guaranteed return solutions (no risk of loss for the employee) or unit-linked products (linked to investment funds). Each year, you allow your employees to redefine their level of investment in relation to their personal situation.
Are you an employee? Supplement your employer’s plan with personal contributions.
Has your employer taken out a lalux Staff-Protect supplementary pension plan for you that prepares you for retirement and guarantees additional security in the event of death or disability? Supplement it with personal contributions and benefit from tax advantages.