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Life insurance

Request life insurance quotes and our broker Weicker & CO
will explain the different types of life insurance.


Find the best offers on the market, in Luxembourg and abroad,

request personal advice or simply find

the best price, you are in the right place!


Get the best offers on the market


- tax deductible life insurance in Luxembourg: click here


- life insurance investment product: click here


- payment protection insurance: click here


 All about life insurance:



   Make no mistake, the term 'life insurance' is in fact a

generic term


It is subdivided into assurance on death, insurance on

, mixed insurance and additional benefits.

Assurance on death includes:

•    Temporary assurance that covering the insured for an amount that remains the same for the whole duration of the policy. This amount is paid to the beneficiary in the event the insured dies during the term of the policy.

•    temporary insurance covering the balance remaining of a medium or long term loan in the event the insured dies during the term of the policy.The beneficiary in this case is usually the lending organisation or bank.


Assurance on survival is essentially made up of a lump sum paid on maturity.


This capital can be guaranteed in the policy (plus profit sharing) or directly linked to an investment fund.

For the latter, it should be understood that the investment will go up and down depending on the stock market. You mustn't be alarmed by this since all savings invested by insurance companies are strictly controlled by the Commissariat aux Assurances of Luxembourg.


They compiles a list of funds and guidelines to protect the investor. The greater the investment the more flexibility there is in that regard.

Mixed insurance includes both a death component and a life component. With this type of cover the risks are mutually exclusive i.e. the insurer pays either in the event of death or the event of survival. Special packages can be adapted to customer needs if they intend to have more coverage for the risk of death or conversely more coverage on survival. Fixed term insurance is mainly used to protect the future of your children or to build a pension pot.


It is possible to save with life insurance to build up a lump-sum for your old age. This is possible for everyone but it is fiscally more attractive for families with several children: maximum deductions!

There are four additional benefits available:

•    additional accident insurance, or ACRA (as known it's known in Luxembourg), covers a payment of double or triple the death benefit if the insured dies as a result of an accident

•     additional disability insurance, or ACRI (as known it's known in Luxembourg), covers the premiums if the insured becomes disabled during the term of the policy i.e. the insurer pays the premiums for the insured to the extent of the disability by % so long as it exceeds 25% and the disability has lasted at least 3 months

•     additional insurance against the risk of hospitalisation, or ACRHo (as known it's known in Luxembourg), is a daily benefit paid to the insured for each day spent in hospital

•    additional family insurance guarantees the payment of an additional death benefit in the event that the partner of the insured dies either at the same time as the insured or after the insured, provided it is before the end of the policy.


Insured person or product:

1.    an individual
2.    a couple: In this case we are talking about insurance for two people
3.    a group of people: In this case we are talking about group insurance


Tax deductions:

Savings invested in life assurance are deductible as special expenses, under article 111 of the tax code.

Life, Death, Disability, Health, Accident and Civil Liability Insurance

Maximum deductible amounts as of 1 January 2002.


Without spouse

With spouse


€ 672

€ 1 344

Taxpayer with 1 child

€ 1 344

€ 2 016

Taxpayer with 2 children

€ 2 016

€ 2 688

Taxpayer with 3 children

€ 2 688

€ 3 360


Any capital paid on maturity is not taxable as income
Contact us to find out how you could save by filing a tax return and achieving tax optimisation

Higher limit and increased higher limit for payment protection insurance

When the borrower takes out a temporary assurance on death with a single premium to cover a real estate loan or a mortgage, special maximum amounts are added to the normal limits.


Increased limit (1)

Higher increased limit
Between 30 and 50 (per year)

Maximum deductible
50 and over

Without children

€ 6 000

€ 480

€ 15 600

With 1 child

€ 7 200

€ 576

€ 18 720

With 2 children

€ 8 400

€ 672

€ 21 840

With 3 children

€ 9 600

€ 768

€ 24 960

With 4 children

€ 10 800

€ 864

€ 28 080

Per additional child

€ 1 200

€ 96

€ 3 120

How to calculate the absolute limit per taxpayer

  • basic limit: €672 + €672 for joint taxation + €672 per dependent child
  • allowance for single premium: sum of the single premium (without exceeding €3000) + €672 per child dependent
  • additional allowance: 8% x number of years over 30 (age of borrower when policy taken out) x result of b.

 Life insurance check up


How can you better understand your current situation and think ahead for the future?

A «life check-up» will help you answer any questions you may have! If I become permanently disabled, Will I keep my current income? What will happen to my pension? If I die, what will happen to my family? What death duties will they have to pay? Will my children receive a lump sum to successfully finish their studies?

We have set up a «Life check-up» to assist you with an objective analysis of your situation according to several factors: your death or that of your spouse, a disability, your pension. We perform a thorough and personalized investigation of your situation to find specific solutions.
Ask our experts!

Click here to contact us if you have any questions


 Assurance vie


Epargner en assurance vie et déduisez de vos impôts

Vous l'ignoriez peut-être mais il est possible de déduire fiscalement votre assurance vie!

Vous êtes récompensé grâce à votre assurance vie : toutes les primes que vous aurez épargnées dans ce contrat seront déductibles de vos impôts à la simple condition d'en respecter certaines clauses:
La durée minimale du contrat est de 10 ans
Les montants maximum à calculer doivent suivre la règle de 672eur par membre du ménage et par année.
Enfin, vous devrez aussi prévoir un capital en cas de décès.

Ces caractéristiques sont valables pour les assurances vies souscrites dans d'autres pays membres. L’avantage des Assurances vie Luxembourgeoises ? Aucun impôt ne vous sera déduit, le capital versé est net !

Demandez un devis sans engagement en cliquant ici

The future of your children and their achievements are your priority.

Help them plan for their future by choosing a child savings plan.

Security, flexibility and performance, this savings plan offers you the possibility to plan for your children's education or simply to support them financially in their future adult life. The savings products we develop for children ensure the payment of a lump sum on maturity but also, and most importantly, the payment of a death benefit. Don't worry about a thing: whatever happens, your children will receive the planned capital!

Your benefits :

Guaranteed lump sum on maturity;
Structured payments;
The incentive of tax reductions

You can find more information in our section on Tax deductions)

Weicker is here to help and advise on saving for your children

Click here to request an obligation free quote

Payment Protection Insurance

What is it? You took out a loan: loan protection insurance protects your household from repaying this loan.

This insurance repays the balance due on a loan to the lender, taking into account the passing of time adjusted to the interest rate. If the rate is variable, one of the parties may review if they want. The capital reduces with time and according to the interest rate.

Need more info? click here

click here to request an obligation free quote



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