A life insurance that evolves with your needs.
R-Protect is a life insurance plan combining death, disability, and savings coverage, with regular premiums starting at €25 per month, designed for a minimum duration of 10 years. Flexible and customisable, it allows you to:
- Guarantee a capital sum to the beneficiary of your choice in the event of death.
- Provide a pension for your children.
- Protect your income in the event of disability.
- Build savings for your future projects.
Your R-Protect advantages:
- Flexible choice of premium frequency and monthly amount, starting from €25 per month.
- Freedom to select beneficiaries for each guarantee.
- The capital payable at the end of the contract and the death benefit are tax-exempt.
What are your primary needs?
You can choose one or more death coverage options.
Death Capital
The capital is paid immediately to the designated beneficiary(ies) upon death.
Deferred Death Capital
The capital is locked and released to the designated beneficiary(ies) only at the end of the contract on a predetermined date.
Orphan's Pension / benefit
A capital sum or annuity paid until your children reach the age of 27 to cover their daily needs.
Are there optional guarantees?
You can choose from two additional guarantees.
Disability Pension / annuity
Protect your income with a disability pension / annuity. This guarantee can be particularly useful if you are new to Luxembourg, self-employed, or in the early of your professional career.
Progressive Savings
Finance your future projects through progressive savings. This guarantee allows you to build capital while benefiting from the potential returns of investment funds.
Various investment vehicles to diversify your savings
Your investments can be allocated between a guaranteed rate support and unit-linked options for greater flexibility.
- 1 guaranteed capital support (up to 50% of your investments): Offering a balanced approach between security and growth potential.
- 6 variable capital supports (CapitalatWork funds): Providing greater performance potential, including two funds promoting environmental and social characteristics.
For full details, please consult the financial information sheet available at the bottom of this page.
Technical features:
- R-Protect can be subscribed to by one or two persons, with the death benefit payable upon the death of one of the insured persons.
- Minimum contract duration: 10 years.
- Maximum age at (contract) maturity: 75 years for each insured person.
- Option for a one-off payment of up to €5,000 for the current year.
Want to optimise your taxes?
According to Article 111 of the Income Tax Law, the payments made are deductible from your taxable income, up to €672 per household member.
