Here’s a detailed overview of the main insurance‑plan categories and products offered by Foyer Assurances S.A. (Luxembourg), covering life, savings, retirement, personal protection, and mortgage-related solutions:
🌱 1. Investment‑Savings (Life Insurance)
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Helios Invest
A flexible life-insurance savings plan allowing you to grow capital with market returns. Offers beneficiary designation and death/disability add-ons. (foyer.lu) -
Nova
Designed for parents saving for a child's future. Monthly contributions accumulate into a lump sum or annuity. In case of a parent's death, the total premiums paid are returned—or doubled in case of accidental death.
📈 2. Market‑Linked Investment Plans
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Smartlife
A multi-support, flexible life-insurance product combining guaranteed-rate and unit-linked investments. Options include SMARTLIFE 25/50/75/100 to align with your risk profile and objectives. -
Invest4Change
Multi-support ESG (Environmental, Social, Governance) investment plan with ethical funds. Offers four investor profiles (Conservative to Aggressive) and allows free contributions and withdrawals. (foyer-lux-assurances.lu)
🎯 3. Retirement & Pension Solutions
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Horizon
A supplementary-pension life insurance plan with market-linked investments. Minimum contract duration: 10 years; available from 60–75 years old. Premiums are tax-deductible (up to €3,200/year).
🛡️ 4. Personal Protection
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Protect4Life
Combines savings, life cover, and disability coverage. Provides lump sum in the event of disability or death, with tax-optimization.
🏠 5. Mortgage/Loan Coverage
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Focus (Temporary Outstanding Balance Insurance)
Covers your outstanding mortgage balance if you face events like death, disability, or serious illness.
🏡 6. Home & Liability Insurance (Non‑Life)
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Mozaïk Home Insurance
Modular home insurance with essential guarantees (fire, water damage, hail) and optional add-ons (theft, eco-energy, liability, legal protection, fine art, portable items, travel, natural disasters).
🚗 7. Car Insurance & Mobility
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Offers comprehensive car insurance with 24/7 assistance, replacement vehicle during repairs, glass coverage, and app-based claim handling (via MyFoyer).
✅ Summary Table
| Category | Product(s) |
|---|---|
| Investment‑Savings | Helios Invest, Nova |
| Market‑Linked Investments | Smartlife (multi-risk), Invest4Change (ESG) |
| Retirement/Pension | Horizon |
| Personal Protection | Protect4Life |
| Mortgage/Loan Coverage | Focus |
| Home Insurance | Mozaïk (with modular guarantees) |
| Car Insurance | 24/7 assistance, replacement vehicle, glass cover |
📌 Why Choose Foyer?
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Flexibility: Free premium payments, optional withdrawals, and adjustable investment profiles.
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Protection & Legacy: Built-in death/disability protection and beneficiary designation.
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Tax Optimization: Products like Horizon and Nova offer income tax deductions and at-exit exemptions.
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Ethical Investing: Invest4Change caters to ESG-conscious clients.
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Comprehensive Coverage Options: Includes home, auto, liability, legal protection, and fine art modules.
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