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Build capital easily with flexible life insurance

Protecting your and your loved ones’ future means making wise decisions today. OptiSave life insurance by Cardif Lux Vie distributed by BGL BNP Paribas, provides capital while you are still alive but also pays out in the event of death or disability.

  • You can pick and choose which additional guarantees you want and designate the beneficiaries of the capital in the event of your death,
  • Regular savings via automatic transfers,
  • Choice of frequency and amount of premiums,
  • Savings that get to work from the first day of the policy,
  • You know the value of the policy at all times,
  • Policy surrender when needed,
  • As a Luxembourg resident or equivalent, tax-deductible premiums provided that the policy is held for a minimum period of 10 years.

You can choose from two investment options:

  • OptiSave Fix: your premiums are invested in a guaranteed-rate fund with potential bonus compensation (depending on Cardif Lux Vie’s results).
  • OptiSave Flex : your premiums are invested in one or more internal funds, in line with your risk profile.

Life insurance: building up your assets without hassle

prevoir une epargne et s'assurer en famille

Florence is both cautious and carefree. She wants to grow her assets while enjoying life. Thanks to OptiSave life insurance, she saves at her own pace, hassle-free. To figure out in advance the minimum amount of capital she will be paid, she opted for OptiSave FIX.

Did you know? Life insurance can be used as collateral for a personal loan.

Need a loan? Thanks to optional guarantees, you can choose to guarantee your personal loan with a death benefit.

Frequently asked questions about OptiSave life insurance

  • icone faq question What is the minimum pay-in?

    Your financial capacity and goals will determine how you save. You have the choice between monthly, quarterly, semi-annual and annual payments.

    The minimum pay-in amount is €50.

  • icone faq question Who does the capital go to if the policyholder dies?

    The capital goes to the person (or people) designated by the policyholder. This can be a child, spouse or any other person, whether or not they are related.

    It’s also possible to switch beneficiaries during the policy term.

  • icone faq question Is it possible to resume or cancel an insurance savings policy?

    You have 30 days to cancel your policy. The recommended minimum policy retention period is 10 years, in order to benefit from the special life insurance tax scheme. Should you need it, you can request the full redemption of your policy at any time. However, redeeming your policy may have negative consequences, for your taxes, but also for performance, the capital guarantee, or redemption fees.

  • icone faq question Am I eligible for tax benefits under this savings plan?

    As a Luxembourg tax resident or an “equivalent” resident for tax purposes, the premiums paid are tax-deductible as “special expenses”. Premiums paid are tax-deductible as “special expenses” for all policies with a minimum 10-year term (up to €672 per household member – Article 111 of the Luxembourg Income Tax Law, or LIR).

    When the policy matures, Luxembourg residents benefit from a complete tax exemption on the capital accrued.

Want to know more?

Take a look at the OptiKids brochures (in French).

This product from Cardif Lux Vie is distributed by BGL BNP Paribas, Cardif Lux Vie’s insurance agency, entered in the register of insurance intermediaries under number 1996AC001. Tax deductibility varies based on the personal situation of each client and is subject to change. Investments in C-Life funds are subject to market fluctuations and to the risks inherent in securities investments. The fund fact sheets are available in your local branch.