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Pension insurance: combine security and performance over the long term

Would you like to secure additional income for your retirement years?

With OptiPension+ pension insurance by Cardif Lux Vie, you save regularly under a long-term plan, while also saving on tax. Start thinking about your retirement plan today.

A range of investment options

Combine security and performance in the same policy, thanks to two “mix and match” insurance solutions:

  • An option with a guaranteed minimum rate with potential profit-sharing (depending on Cardif Lux Vie’s results),
  • An option under which savings are invested in a selection of funds (Internal Collective Funds) according to your investor profile, and in accordance with statutory investment limits.

You can choose to pay your premiums on a monthly, quarterly or annual basis.

A flexible solution for your retirement savings income

You must hold the policy for at least 10 years. Once you turn 60, you can choose to have your savings paid out as a lump sum. If you accessare a Luxembourg tax resident or equivalent, you’ll benefit from favourable policy termination conditions, and your capital will only be taxed at half the overall income tax rate in force on the day you terminate the policy.

You may also decide to receive all or part of the amount as a monthly annuity, tax-free up to 50%.

Instant tax benefits 

You can deduct up to €3,200 from your tax base per taxpayer per year, no matter what your age.

Protect your loved ones

In the event of death, the savings accrue to your designated beneficiary.

Live out your retirement travel dreams

Andrea has always wanted to travel the world. He puts regular savings aside through his pension insurance, so that when he reaches retirement age, he can buy a boat to take his grandchildren on a trip. He has built his policy so that he can invest in diversified funds that will maximise his return, knowing that his family will receive the capital saved in the event of his death.

Did you know? You can guarantee the security of your pension savings.

Is investment security your number one priority? With the guaranteed minimum rate option, you’ll know in advance the minimum amount of capital that will be paid to you after deducting fees. You can be sure you’ll get your investment back, no matter what.

Frequently asked questions about OptiPension+

  • Am I eligible for tax allowances?

    As a Luxembourg tax resident or an “equivalent” resident for tax purposes, you can reduce your annual tax base in Luxembourg by €3,200, regardless of your age.

  • What is a life annuity?

    A life annuity is a cash sum that is regularly paid to a beneficiary until their death. The amount of the annuity will depend on how much they have saved and their life expectancy.

  • Can I name my spouse or a loved one as my beneficiary?

    While you are still alive, you will be the automatic beneficiary of the capital saved. You can designate anyone you like to be the beneficiary of the capital in the event that you die before the policy matures.

  • When should I start saving for retirement?

    It’s likely that your government pension won’t enable you to maintain the same quality of life. By gradually putting savings into pension insurance as soon as you start working, you’ll save without thinking about it. You’ll also receive tax benefits and build up a comfortable capital, allowing you to maintain your standard of living during retirement!

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.

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