Classification of tax deductible insurances in Luxembourg

• Complementary retirement savings / pension savings / private pension plans:

  • AXA Luxembourg ALIZEA – tax deduction under Article 111bis LIR

• Mortgage loan insurance / remaining balance insurance / residual balance insurance:

  • AXA Luxembourg DOMIA – tax deduction under Article 111 LIR + specific single premium limit

• Life assurance / Life insurance / Death insurance / Endowment insurance:

  • AXA Luxembourg JUVENA - tax deduction under Article 111 LIR

    • Tax deductible children’s savings plan
    • Tax deductible junior savings plan
    • Education savings plan
    • an alternative to the Luxembourg savings account

  • AXA Luxembourg EQUATORIA - tax deduction under Article 111 LIR

    • Endowment insurance

  • AXA Luxembourg SERENA - tax deduction under Article 111 LIR

    • Loss of income insurance
    • Income protection insurance
    • Death insurance
    • Invalidity insurance
    • Accident insurance
    • Professionals’ insurance
    • Self-employed insurance

• Home savings plans (‘épargnes logement’):

  • WÜSTENROT in cooperation with AXA – tax deduction as a special expense

• Accident insurance:

  • AXA Luxembourg VIVAZEN - tax deduction under Article 111 LIR
  • AXA Luxembourg ‘INDIVIDUAL TRAFFIC ACCIDENT INSURANCE’ - art 111 LIR
  • AXA Luxembourg ‘PROTECTED DRIVER INSURANCE’ - art 111 LIR

• Private health care / Complementary healthcare insurance / Mutual health insurance:

  • AXA Luxembourg OPTISIONS START - tax deduction under Article 111 LIR
  • AXA Luxembourg OPTISIONS ACTIVE - tax deduction under Article 111 LIR
  • AXA Luxembourg OPTISIONS PRIVILEGE - tax deduction under Article 111 LIR

• Third party liability insurance / civil responsibility insurance:

  • Motor policy third party liability - tax deduction under Article 111 LIR
  • Family policy third party liability - tax deduction under Article 111 LIR
  • Buildings policy third party liability - tax deduction under Article 111 LIR
  • Business policy third party liability…

EasyNext, an exclusive and personalized service…

Because the process of tax optimization requires a detailed analysis of your own personal situation, EasyNext will give you free advice on Luxembourg taxation, whether you are resident or a frontier worker / cross-border worker in Luxembourg. For every contract taken out for which a tax deduction can be made, we offer you the preparation of your Luxembourg tax declaration. For complicated declarations you might be asked for a contribution towards the cost.