Retirement insurance

Retirement Insurance OptiPension+

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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:

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:

  • a monthly annuity (half of which is tax-exempt)
  • a lump sum covering 100% of the savings built up (Luxembourg residents will be taxed on this at half the overall rate)
  • a lump sum covering your chosen percentage of the savings and the rest paid as a monthly annuity (Luxembourg residents will be taxed on the lump sum at half the overall rate, while 50% of the annuity will be tax-exempt)


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



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