Retirement pension insurance


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OptiPension+ is a flexible pension scheme, financially attractive and tax-deductible (subject to compliance with the terms and conditions of article 111bis L.I.R.)



Our OptiPension+ insurance product:

  • OptiPension+ : life insurance with guaranteed return and capital as well as a share of profits (depending on results of Cardif Lux Vie)


When you retire, or when you reach 60 years of age, your savings can be redeemed in the form of:

  • life annuity
  • capital (max. 50% of accumulated capital, the rest as a life annuity).


We offer a wide range of investment options, some of which are tax deductible. Find out more.






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