Insurance Plans Available from Cardif Lux Vie
Cardif Lux Vie (a subsidiary of BNP Paribas Cardif) specializes in high-end, internationally tailored life-insurance solutions built for asset structuring, retirement planning, loan protection, and wealth transfer. Their focus on flexibility, portability, and Luxembourg’s robust legal framework makes them a top choice, especially for expats and high-net-worth individuals.
🏦 1. Mortgage / Credit Protection Insurance
This uninsured covers your outstanding loan in the event of death or disability. You choose the insured amount and coverage profile, and you can pay a single premium or periodic installments. If something happens, the policy settles the loan balance—helping your family retain the property debt-free. Premiums are tax-deductible, and each policy plants a tree as part of a reforestation initiative. (bgl.lu, cardifluxvie.com)
💶 2. OptiSave+ – Classic Savings Policy
An investment-savings contract allowing flexible contribution schedules (monthly, quarterly, annual), with a minimum contribution of €50. The policy is designed for long-term accumulation (recommended 10 years). Premiums are tax-deductible (up to €672 per person per year), and the final payout is tax-free in Luxembourg. You can partially or fully redeem at any time.
💤 3. OptiPension+ – Retirement & Pension Plan
A tailored pension solution that combines savings and insurance: choose your investment strategy, contribution amount, and payment frequency. You can collect your savings as a lump sum or annuity at retirement (after age 60). Contributions are tax-deductible up to €3,200/year and recognized as socially responsible—it's the first Luxembourg plan with LuxFLAG ESG certification.
🌍 4. Liberty 2 Invest & Elite Lux – International Wealth Management
For investors looking to structure their assets, these multi-support life plans are built to offer:
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A guaranteed-capital "general fund"
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External funds, including sustainable or ESG options
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Internal dedicated and collective funds starting from €250,000
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Full flexibility: top-ups, partial/unlimited redemptions, portfolio customization
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Death-benefit riders (minimum floor, fixed, or percent of premiums)
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Strong legal protections via Luxembourg's Triangle of Security and Super Privilege mechanism
✅ Who is Cardif Lux Vie For?
These plans are ideal if you are:
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Paying off a mortgage and want guaranteed protection
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Looking for tax-efficient personal savings or pension solutions
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A high-net-worth individual seeking a bespoke investment structure
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Needing globally portable contracts to adapt to changing residency
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Looking for ESG-oriented, sustainable investment options
🔍 Why I Find Cardif Lux Vie Compelling
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Luxembourg safety: politically stable with strict financial and asset protection laws.
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Asset separation & creditor priority: your funds are ring-fenced and you enjoy first-rank creditor protection.
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International portability: policies can adapt to your new country of residence under local conditions.
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Digital-first experience: full e-signature, online management, and withdrawals.
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Eco-conscious perks: tree-planting tied to each policy and genuine ESG-labeled funds.
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