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The benefits of OptiSave+ life insurance:

Are you looking to build up savings for a trip around the world, to buy a home or to achieve a long-term goal? The OptiSave+ life insurance by Cardif Lux Vie(1) enables you to:

  • reach your savings goals;
  • safeguard your future;
  • protect your loved ones;
  • take advantage of tax allowances.

How does it work?

When you take out a policy, you can choose between:

  • one of several predefined investment profiles;
  • a personalised investment profile.

Build capital easily with flexible life insurance

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.

Tax deductible life insurance

Think of your loved ones by choosing from a range of supplementary guarantees. These guarantees make it possible to construct a truly personalised insurance policy.


Familiäre Situation Ohne Ehepartner Mit Ehepartner
Steuerzahler 672 EUR 1.344 EUR
Steuerzahler + 1 Kind 1.344 EUR 2.016 EUR
Steuerzahler + 2 Kindern 2.016 EUR 2.688 EUR
Steuerzahler + 3 Kindern 2.688 EUR 3.360 EUR
Pro Kind + 672 EUR + 672 EUR

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.

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.

One tree planted for every new policy

In co-operation with REFOREST'ACTION, our partner Cardif Lux Vie will plant one tree for every new policy taken out!

By signing up to Optisave +, you’ll be contributing to reforestation efforts in the Greater Region.

You can get updates on the Cardif Lux Vie reforestation project on its website.

Frequently asked questions

  • 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.

Documents to download ()

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.