Life insurance comparison

Life insurance in Luxembourg

An overview of the main life insurance and pension savings providers in Luxembourg - protection, investment, and retirement options.

Providers

Main life insurance providers

LALUX

Market leader
  • Leading life insurer in Luxembourg — 35,000+ employees across 2,000+ companies
  • easyLIFE range: Pension, Prévoyance, Education, Mixte, Invest for Future
  • easyLIFE Pension: from €25/month with choice of guaranteed rate or investment funds
  • Tax deduction up to €4,500/year per taxpayer (Article 111bis L.I.R.)

Foyer

Since 1922
  • Luxembourg’s oldest insurer, founded in 1922
  • Strong personal protection: death, disability, and income insurance
  • Retirement savings and investment products within the mozaik ecosystem
  • Deep expertise in Luxembourg tax framework and cross-border situations

AXA

Wealth management
  • MySmartPension: hybrid retirement combining guaranteed 1.25% rate and investment funds
  • Juvena (children’s savings) and Equatoria (mixed life insurance)
  • MyPension Pro for self-employed — premiums deductible up to 20% of taxable income
  • Customisable risk profiles: Dynamic, Intermediate, or Defensive allocation

Baloise

International clients
  • Baloise Vie Luxembourg: bespoke life insurance for international wealth management
  • iPension: first tool to simulate your Luxembourg public pension (CNAP)
  • Innovative solutions for wealth preservation and transmission
  • Swiss group financial strength (S&P A+ rating) and cross-border expertise
Luxembourg market

Specificities of the Luxembourg market

Luxembourg life insurance is built around three pillars: protection (death, disability), savings/investment, and retirement (third-pillar pension).

Retirement savings plan premiums are tax-deductible up to €4,500/year (Article 111bis L.I.R.). Luxembourg’s unique “triangle de sécurité” provides enhanced investor protection: assets backing life insurance contracts are segregated and held by an independent custodian bank under CAA supervision.

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