Our tax-deductible solutions
Protecting your loved ones, reducing your tax, transferring your estate, saving and planning for your retirement... Find out about everything our life insurance products can do for you.
Our tax-deductible life insurance products
Retirement savings
OptiPension+
- capital for your retirement;
- investment, security and personal protection;
- tax-deductible under certain conditions.
Step-by-step saving
OptiSave+
- regular savings via scheduled payments;
- flexible policy and optional guarantees;
- tax-deductible under certain conditions.
Self-employed or professionals
OptiLib
- retirement savings that are exempt from income tax;
- designed for self-employed and professional clients;
- tax-deductible under certain conditions.
Our life insurance savings plans
Home saving scheme
Wüstenrot
- Build up savings, benefit from tax-deductions and gain access to a home savings loan to finance the purchase, construction or renovation of your home.
Insure your loans
Credit protection insurance
- insure your mortgage;
- obtaining tax breaks.
Your practical guides
Practical guide
Luxembourg life insurance
- How does it work?
- Who is eligible?
- What are the tax benefits?
Practical guide
Tax deduction guide
- products with tax benefits;
- tax allowances;
- tax deduction conditions, etc.
- follow the guide!
Practical Guide
Filing a tax return in Luxembourg
The ins and outs of how the tax authorities, tax calculation and tax returns work in Luxembourg!
Find out more
Practical guide
Planning your estate
The main principles of inheritance laws and taxes in Luxembourg.
To plan your estate according to your personal situation.
Tax deductibility varies based on the personal situation of each client and is subject to change.
This product, designed by Cardif Lux Vie, is distributed by its insurance agency BGL BNP Paribas. Subscription subject to conditions and approval of your application by the bank.
See also
