Alizea is a retirement savings product that allows you to build up additional capital for your retirement in complete security.
Guaranteed interest rate:
Your savings are invested in a guaranteed interest rate vehicle with profit sharing. Profit sharing means that AXA uses its financial results to increase the rate of return on your savings.
By subscribing to the ACCRI Prime option, you are protecting yourself against the financial risk of disability caused by an accident or illness. In other words, AXA agrees to compensate for a potential loss of income by paying the premiums of your retirement insurance, in proportion to your degree of disability. Even in the event of disability, your retirement is still assured.
Your savings can be released from age 60, but you can choose to end your policy between 60 and 75 years.
At the time of release of the savings, you have the choice between several modes of payment:
- Paying all of your capital in one go
- The payment of monthly life annuities that you will receive until the end of your life
- Or a combination of the two.
If you die during the term of your policy, your savings are not lost. They will be paid to your predefined beneficiary.
To protect your family if you die after the end of your policy, you can take out an option allowing you to pay your pension to your spouse. Of course, this will not apply if you choose to recover your capital in one go.
Throughout the duration of the policy (minimum duration:10 years), you can deduct the amount of your retirement insurance premiums from your annual tax base in compliance with Article 111 of Luxembourg’s income tax law.
The maximum annual deductible amount is €3200 regardless of age.
To find out more about possible tax deductions, visit the tax deductions page:
Also find out about the Save for Life Pension:
Retirement savings solution 50% in guaranteed capital and 50% in investments:
The Save for Life Pension is a tax-efficient insurance product that allows you to combine traditional savings solutions with stock market investments to take advantage of the best returns on the market.
Deduct your insurance from your taxable income
The maximum amount deductible depends on the data provided by the taxpayer and his/her family situation.
- Pension Retirement Insurance
- Savings Insurance
- Housing savings
The functioning of pensions in Luxembourg
The pension system in Luxembourg is based on three pillars:
- Statutory pension
- Supplementary pension paid by the employer (optional)
- Supplementary pension made up on a personal basis (optional)
Contact an AXA Luxembourg agent
In each region of Luxembourg, advisers are at your disposal to offer you their services and advice on insurance solutions.