Self-employed, prepare for your retirement

Customisable retirement savings tailored to your needs
Additional personal protection coverage to protect your loved ones in difficult times
Advantageous tax benefits for you

Retirement insurance designed for your peace of mind.

Self-employed, craftsperson or liberal professional, your retirement is prepared throughout your working life. With MyPension Pro, you turn your savings into an additional income for tomorrow, thanks to a flexible, customizable, and tax-efficient solution.

4 good reasons to prepare your retirement with MyPension Pro

Tax advantages
Reduce your tax burden with a retirement savings solution tailored to self-employed workers.
Administrative simplicity
AXA handles all administrative and tax procedures, so you only need to worry about paying your premiums.
Flexibility
Adapt your contract to your projects, your activity and your objectives.
Providence
Complete your protection with coverages in the event of accident, disability or death.

We are by your side to support you in your professional activities

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A Supplementary Pension Scheme for all self-employed workers and liberal professions

Liberal professions
Doctors, dentists, pharmacists, nurses, psychologists, psychiatrists, physiotherapists, osteopaths, veterinarians...
Self-employed
Self-employed workers, lawyers, notaries, bailiffs, architects, real estate agents, accountants...
Craftspeople and traders
Craftspeople, traders, farmers, liberal professions

MyPension Pro, a multi-benefit Retirement and Personal Protection solution for the self-employed

Saving today means living peacefully tomorrow. Build your supplementary pension right now with MyPension Pro.

Benefit from advantageous tax deductions

At AXA Luxembourg, our mission is to make your retirement project more rewarding and more secure thanks to tailored solutions.

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Deductibility of your premiums
The premium paid by you and allocated to the financing of your Retirement Plan is tax-deductible as a Special Expense up to 20% of your annual taxable income.
Advantageous flat-rate taxation
A flat-rate tax is payable on each premium but in return there is no tax on withdrawal! A flat-rate tax of 20% instead of, for example, 42% taxation at the marginal rate represents a significant tax advantage, and this applies to each payment.
Tax-exempt retirement capital
The amount of capital you will receive upon your retirement will no longer be subject to income tax in Luxembourg. Only the social contribution to long-term care insurance (currently 1.4%) will remain due and will be deducted when the retirement benefit is paid.

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Simulation: your tax saving year after year

Anne is a self-employed lawyer and single. She wishes to save each year for her retirement by taking advantage of the Supplementary Pension Scheme for the self-employed and liberal professions.
Let us see how she saves for her supplementary pension while saving on her taxes.
1. Premium deduction
She benefits each year from a significant tax advantage as she can deduct her premium from her taxable income as a Special Expense (max. 20% of the income corresponding to her self-employed activity).
2. Tax saving
Her taxable income is reduced by €20,000 and her taxes accordingly. Her tax saving amounts to € 4,166.
3. AXA takes care of everything
AXA is responsible for collecting on behalf of the Tax Administration a 20% tax on the insurance premium as well as a regulatory tax charge of 0.9%*.
*The amounts of regulatory taxes are set by law, subject to change over time and are not deductible.

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Protect what truly matters, even in the face of unforeseen events

You have built everything yourself. Make sure that unexpected events do not jeopardize your life’s work. Our Personal Protection coverages protect you and your loved ones in the event of an accident, death, or disability.

Secure your family's future, whatever happens.
In the event of premature death, your loved ones receive a lump sum to maintain their standard of living.
Enhanced protection against life's accidents.
Because some risks merit additional coverage, it doubles your protection in the event of accidental death.
Your activity stops. Your income does not.
In the event of disability, this guarantee compensates for the loss of income linked to the reduction or cessation of your professional activity.
To allow your family to maintain their quality of life in the event of an unforeseen event. (premiums tax-deductible without limit)