Independents and Professionals
A range of tailor-made solutions to protect you against life’s hazards.
We offer our self-employed and professional clients solutions to guarantee their retirement, protect their business and secure the future of their employees.
Insure your loans with Pro outstanding balance insurance (ASRD)
ASRD Pro protects the company’s business throughout the term of the business investment loan.
This insurance guarantees repayment of the capital outstanding in the event of death or disability.
Insure your working capital with Term Life Insurance
To insure working capital or the use of demand credit, our clients determine with their intermediary the amount of cover they require, which will remain constant throughout the term of the policy, regardless of their age or any revisions to their working capital.
Prepare for retirement with MyProlife
Save to prepare for the future and benefit from tax advantages.
Since 1 January 2019, liberal professions and self-employed people who are members of the Chamber of Commerce, the Chamber of Agriculture or the Chamber of Trade, reside in Luxembourg and are affiliated to Luxembourg Social Security have been able to benefit from a supplementary pension scheme
What are the advantages?
- Enjoy a worry-free retirement thanks to the capital you’ve saved.
- Benefit from tax advantages.
- Protect yourself and your loved ones from the hazards of life.
- Invest in products that suit your life plan.
- Choose a flexible solution with no cost surprises
How can you make the most of it?
- By freely setting an annual amount and determining the frequency of payments.
- By defining the risks to be covered (death, invalidity, accident).
- By drawing up a personalised investment plan with the help of a Partner Advisor.
Deduction of premiums
Subject to payment of a 20% withholding tax and a 0.9% tax on the premiums paid, the premiums are deductible in the tax return as special expenses. The amount is deductible up to 20% of net annual professional income (subject to compliance with certain legal conditions).
Personalised
It is possible to invest in socially responsible and solidarity-based SICAVs, as well as in Collective Internal Funds profiled according to the degree of risk accepted and the objectives of each investor
Peace of mind guaranteed
The periodic premium is set in advance and can be changed at any time.
Tax exemption
At the end of the policy, the capital is fully exempt from income tax. Only a tax corresponding to 1.4% of the capital is due at the end of the policy in respect of the dependency contribution.
Securing your business with key person insurance
As a company director, it’s vital to ensure the continuity of your business and protect your family from the vagaries of life.
Key person insurance provides cover in the event of death, disability or accident