Luxembourg Foyer life insurance: Benefits, charges, taxation and advice
Assurance Vie Luxembourgeoise Foyer is aimed at demanding investors who want to combine security, yield and asset optimisation, while benefiting from the flexibility and protection offered by the Luxembourg framework. This comprehensive guide presents its features and benefits, our expert opinion, and detailed practical information to guide your investment decisions.
Presentation of Foyer Luxembourg Life Insurance
Founded in 1922, Foyer Assurance Luxembourg is the country's leading privately-owned insurance group, present in 11 European countries and managing more than €3.49 billion in life insurance in 2024. Its range includes tailor-made solutions for individuals and businesses: life insurance, motor insurance, home insurance, health insurance and wealth management services. Its financial strength, backed up by a high solvency ratio, makes it a force to be reckoned with.
Flagship policies: Helios Invest & Helios Protect
Helios Invest Savings linked to investment funds, monthly profit-sharing, death benefit options (60 %, 100 %, 200 %), multi-currency.
Helios Protect Capital protection, secure return, profit sharing, guaranteed death benefit.
Available media :
Diversified units of account (external and thematic funds)
OPCI (real estate)
Dedicated Internal Fund (DIF) for customised strategies
Live securities (equities and bonds)
Secure euro fund
Admission ticket 300,000 (top-up payments from €25,000)
Multi-currency Euro, Dollar, Swiss Franc, Pound Sterling
Sustainable commitment : Foyer integrates the green industry law and applies rigorous ESG criteria in its management, promoting responsible investment.
Advantages of Luxembourg Foyer life insurance
Solidity and reputation Over 100 years' experience, a trusted player in Luxembourg.
Competitive fees 0 % on exit, optimisation of management fees. Entry fee: €1,000
Flexible management Free management, discretionary management or a combination, depending on your profile.
Neutral taxation Application of the rules of the country of residence.
International accessibility Ideal for expatriates and corporate bodies looking for a secure setting.
Asset diversification Access to SCPI, ETFs, private equity, equities and euro funds.
Legal protection : Benefits from the Luxembourg super-privilege.
Contract costs
| Amount invested | Contract fees | WSI management fee | Total costs | Market average |
|---|---|---|---|---|
| ≤ 500 000 € | 0,70 % | 0,25 % | 0,95 % | 1 % - 1.15 % |
| 500k - €1M | 0,65 % | 0,25 % | 0,90 % | 1 % |
| 1M - €2.5M | 0,60 % | 0,25 % | 0,85 % | 0.90 % - 1 % |
| > 2,5M € | 0,50 % | 0,25 % | 0,75 % | 0.75 % - 1 % |
Highlights No administration, payment or exit fees, lower-than-average cost structure
Reviews on AV Foyer
Our analysis places Foyer Assurance Vie Luxembourg among the best Luxembourg VAs for :
Sa stability financial strength and proven track record.
His low costs and transparent.
Sa diversification The Group has a strong position in traditional and alternative assets.
Sound adaptability international profiles and institutional investors.
Sa quality of customer service thanks to an extensive network of agents and its MyFoyer application.
Taxation
Tax neutrality Taxation according to the country of residence for tax purposes (France: traditional AV taxation).
PFU or IR depending on the strategy.
Allowances after 8 years: €4,600 (single) / €9,200 (couple).
Optimised transfer: Deduction of €152,500 per beneficiary.
Special cases Wealth tax management, exit tax, transfer before/after age 70, optimised beneficiary clause, unseizability under legal conditions.
Our added value
Independent, objective advice on contract selection and structuring.
High-performance, personalised allocation between financial products.
Optimised and secure drafting of the beneficiary clause.
Legal and tax support throughout the term of the contract.
Access to exclusive options (FAS, FID, thematic investments).
FAQ - Luxembourg Foyer life insurance
300,000, with top-up payments from €25,000.
Yes, with tax neutrality, international portability and multi-currency management.
Units of account, SCPI, ETFs, private equity, live securities, euro funds, OPCI, FID.
Yes, lower than the market average, transparent and adjustable according to the amount invested.
Deduction of €152,500/beneficiary, possible optimisation before/after age 70, asset protection.
Partially, under legal conditions, reinforced by the protection of the Luxembourg super-privilege.
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