Professionals
Whether you are an entrepreneur, artisan or trader or work in one of the liberal or health professions, we provide insurance solutions tailored to your needs: provident insurance, savings for retirement, credit insurance.
Insure your loan with Assurance Solde Restant Dû (ASRD) Pro
ASRD Pro protects your business activity for the duration of your professional investment loan. This insurance policy pays off the outstanding balance in the event of death or invalidity.
Insure your working capital with a Term Life Insurance
To insure your working capital or the use of your demand credit, you and your adviser work out the desired amount, which stays the same throughout the policy,
Plan for your retirement with MyProlife
SAVE TO MAINTAIN YOUR STANDARD OF LIVING DURING RETIREMENT
Now is your opportunity to save for your retirement to build your future while enjoying tax benefits. Under new legal provisions, you will be able to benefit from a complementary pension scheme from 1 January 2019.
WHO IS ELIGIBLE?
- Anyone who is in the liberal professions or self-employed (members of the Chamber of Commerce, the Chamber of Agriculture and the Chamber of Trade)
- Resident in Luxembourg
- And affiliated to the Luxembourg Social Security System
WHAT ARE THE BENEFITS FOR YOU?
- Enjoy peace of mind during retirement thanks to your capital saved
- Enjoy tax benefits
- Protect yourself and your family against life's eventualities
- Invest in funds adapted to your life plan
- Choose a flexible solution, with no unexpected costs
HOW CAN YOU BENEFIT FROM IT?
- Decide an annual amount and the frequency of your payments
- Define the risks to be covered (death, disability, accident)
- Create your personalised investment plan with the help of one of our Partner Advisors
DEDUCTION OF PREMIUMS
By paying a 20% withholding tax on premiums paid and normally a tax of 0.9%, you can deduct your premiums in your tax return as special expenses. The deductible amount is capped at 20% of your annual net income from employment.*
*Subject to compliance with certain legal conditions.
TAX EXEMPTION
At the policy’s term, your capital will be totally exempt from income tax.
PEACE OF MIND GUARANTEE
You can change your prearranged annual premium at any time. And, for the part of your savings invested in our guaranteed fund, you can benefit from our General Fund with a gross return of 1.70% in 2021.
PERSONALISED INVESTMENT
You have the option of investing in socially responsible funds, as well as in innovative insurance funds developed on the basis of the level of risk acceptance.
Protect your business with Key Man insurance
As the Director of your company, you want to secure the future of your business, also protecting your family from life’s uncertainties? With Key Man insurance, you are covered in the event of death, invalidity or accident.