Life insurance: building up your assets without hassle

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.
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:
When you take out a policy, you can choose between:
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.
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 |
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.
Need a loan? Thanks to optional guarantees, you can choose to guarantee your personal loan with a death benefit.
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.
You can contact our Client Service between 8.00 am and 6.00 pm, Monday to Friday, on (+352) 42 42-2000.
Frequently asked questions
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.
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.
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.
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.
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.