Investment‑Savings Life Insurance In Foyer Assurances S.A.

Investment‑Savings (Life Insurance) Plans in Foyer Assurances S.A. – Everything You Need to Know

When I started looking into smart ways to combine savings and life insurance in Luxembourg, Foyer Assurances S.A. quickly came up as one of the top choices. What I really liked is that they offer plans that are not just about protection, but also about growing your money over time in a tax-efficient way.

In this post, I’m breaking down the two main Investment-Savings Life Insurance plans offered by Foyer: Helios Invest and Nova. Both are flexible, practical, and designed to meet long-term goals like retirement, wealth creation, and even securing a child’s future.

🔹 Helios Invest – Your Flexible Wealth Building Tool

This plan is perfect if you’re someone who wants to grow your savings steadily over time while also making sure your family is protected in case of the unexpected.

🔍 What it Offers:

• Flexible Investment Options: You can invest regularly (monthly) or go with a one-time lump sum. The monthly method is ideal for salaried individuals, while the single premium is good if you’ve sold an asset or received a bonus.

• Investment Channels: You can choose from unit-linked funds, real estate (OPCI), discretionary asset management, or even direct stocks—great if you want to customize your risk level.

• Multi-Currency Availability: You’re not limited to euros—you can invest in USD, GBP, CHF, etc., which is useful if you earn in foreign currency.

• Death Benefit Choices: You decide how much your family receives if something happens to you:

  • 60%, 100%, or 200% of the total premiums you planned to pay.

• Locked-in Growth: Any profit the policy earns monthly is locked in and added to your capital. You never lose past gains.

• Add-ons Available: You can add disability protection or accidental death benefits to further secure your financial plan.

💰 Tax Benefits:

• Contributions are tax-deductible under Article 111bis, up to €672 per person per year (household members included).

• Upon maturity, the payout is tax-free in Luxembourg.

👤 Who It’s For:

• Professionals and business owners planning for retirement or wealth building.

• Anyone wanting flexibility in currency, investment style, and protection level.

• Those seeking tax-efficient savings in Luxembourg.

🔹 Nova – A Smart Way to Save for Your Child’s Future

If you’re a parent (or even a grandparent), Nova is a brilliant way to create a solid financial cushion for your child. It’s not just a savings account—it’s a life insurance plan that grows value over time and includes strong protection elements.

🔍 What it Offers:

• Regular Contributions: You choose the monthly amount that suits your budget and savings goal.

• Flexible Maturity Options:

  • Pay out the accumulated savings when your child turns 18 or 21.

  • You can choose a one-time lump sum or a structured payout (like a mini pension).

• Built-in Protection:

  • If the parent passes away during the policy, the total of all planned premiums is paid to the child.

  • If it’s an accidental death, that payout doubles—200% of the total premiums planned.

• Low Risk, or Growth-Oriented: You can choose a guaranteed return model or a more dynamic fund-linked one, depending on your risk appetite.

💰 Tax Benefits:

• Like Helios, the Nova plan also qualifies under Article 111bis, so premiums are tax-deductible, and the final payout is tax-free.

👤 Who It’s For:

• Parents who want to create a college fund, wedding fund, or starter capital for their kids.

• Families looking to secure their child’s financial future no matter what happens.

• Those interested in turning small monthly savings into long-term value.

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📝 Key Differences at a Glance

Feature	Helios Invest	Nova
Purpose	Long-term wealth building & family protection	Saving for a child’s future
Who Pays	Self (adult saver)	Parent or guardian
Beneficiary	Any chosen person	Usually the child
Death Benefit	Up to 200% of planned premiums	100% or 200% of premiums (if accidental death)
Investment Flexibility	Funds, real estate, stocks, portfolio management	Guaranteed or market-based return
Currency Options	EUR, USD, GBP, CHF	Usually EUR
Tax Deduction (Art. 111bis)	Yes – up to €672 per family member	Yes – same rule applies

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✅ Why I Personally Like These Plans

What I like about Foyer’s approach is that it doesn’t force you into a one-size-fits-all package. Both Helios and Nova are modular—you can choose how much risk to take, how long to save, who benefits, and how the money is paid out. Plus, Luxembourg’s tax laws make these products even more attractive.

Whether you’re investing for yourself or planning ahead for your children, Foyer gives you the tools to do it confidently and responsibly.