Having fun thanks to tax savings? It’s possible with LALUX!
If you are looking to optimise your tax situation, there are several insurance products available to you.
A pension savings product such as easyLIFE Pension is certainly one of the most popular solutions for reducing tax liability. With a pension plan, you can build up additional capital for your retirement while benefiting from tax advantages that allow you to save up to 45% of your premium, every year! The premiums you invest in a personal pension plan are deductible up to €3,200 per taxpayer under Article 111bis L.I.R.
Good news: The government recently announced an increase in the tax deductibility ceiling for individual retirement savings, raising it from €3,200 to €4,500 per year starting in 2026.
For example,
An unmarried person with a taxable income of €50,000 who saves €3,200 for retirement each year can save up to €1,334 in tax, i.e., 41.69% of the premium invested.
A married couple with a collective taxable income of €100,000 can save up to €2,671 in tax per year by investing €3,200 each for their retirement, i.e., 41.73% of the total premium invested annually.
Estimate your tax savings with easyLIFE Pension using the LALUX simulator.
lalux-Safe Future is a specific offer for the self-employed and liberal professions which allows them to benefit from tax advantages too. The premiums invested here are deductible as special expenses up to a maximum of 20% of net annual income.
An even more effective solution is to supplement any pension plan set up by your employer with personal contributions. The amount can be up to €1,200 per year, and, above all, they offer a direct tax advantage since they immediately reduce your taxable income each month. To take advantage of this solution, however, check with your employer whether such a supplementary pension scheme is in place.
Generally speaking, all insurance premiums that serve to cover a person can be deducted from taxes. All other premiums related to damage, fire, theft, legal protection, or mere investment are not affected.
You can therefore declare the following insurances as “Special Expenses,” up to an amount of €672 per taxpayer:
Each year during the period of tax declarations, you wait for your certificate that lists all the insurance premiums you can deduct. To limit its environmental footprint, LALUX makes this certificate available digitally to everyone who wants it! Sign up for LALUX easyAPP and download your certificate directly to your mobile phone or desktop computer.
Discover how you can reduce your taxes while being best insured.
