First determine how much of the shared allowance remains after other eligible insurance and interest, then compare protection, savings, investments and contractual cost.
Calculate my tax saving2026 calculator
The €672 allowance per household member is shared with other eligible premiums and certain personal-loan interest.
The engine applies the legal ceiling, calculates the additional reduction in taxable income, then reuses the progressive 2026 scale and employment-fund surcharge. It does not simulate an ACD decision, foreign taxation or future product taxation.
Provider comparison
Products serve different needs. Start with the objective — protection, general savings or education — then compare guarantee and investment costs.
Factual comparison. No sponsored ranking and no contract is concluded through GlobalFiscalLab.
Checked on 11/09/2026
7 results of 7
| Product and opening | Minimum contribution | Investments / guarantee | Published fees | Flexibility |
|---|---|---|---|---|
Serena, Equatoria or Juvena AXA Luxembourg Tax simulation and contact with an AXA adviser With an adviser | Not disclosed on the tax page | AXA solutions for savings, protection or education, depending on the need | By quotation No quantified fees disclosed; request the product-specific quotation and documents | Varies between Serena, Equatoria and Juvena AXA — tax calculator |
Life Plan Baloise Callback form or Baloise adviser With an adviser | Not disclosed on the product page | Guaranteed-rate, diversified and sustainable funds | In product documents No quantified schedule on the page; KID depends on periodic, single-premium or guaranteed option | Single, monthly or annual premium; one-off payments and possible pauses Baloise — Life Plan |
OptiSave+ BGL BNP Paribas · via Cardif Lux Vie Appointment with a BGL BNP Paribas adviser With an adviser | Not disclosed on the advice page | Savings life insurance distributed with Cardif Lux Vie; investments depend on the quotation | In product documents No quantified fees disclosed; request the KID and contractual terms | Features must be confirmed in the personalised proposal BGL BNP Paribas — savings solutions |
protect4life Foyer Contact request to a Foyer agent With an adviser | From €25 per month | Capital-protected allocation capped at 50% and six variable investments, including two ESG options | By quotation No quantified schedule published; request contract and fund cost details | Death, disability and savings guarantees can be adjusted under the contract Foyer — protect4life |
LALUX Safe Cover LALUX · via Spuerkeess Subscription through a Spuerkeess branch adviser With an adviser | €50 per month or €600 per year | Long-term mixed life insurance combining death cover and savings | By quotation No quantified schedule on the page; request LALUX terms before subscribing | Monthly or annual debit; amount is normally fixed at inception Spuerkeess — LALUX Safe Cover |
LALUX Study Cover LALUX · via Spuerkeess Subscription through a Spuerkeess branch adviser With an adviser | Not disclosed on the product page | Savings intended for a child’s education or start in adult life | By quotation No quantified schedule on the page; request LALUX terms before subscribing | Investment amount and the child’s payment start age can be configured Spuerkeess — LALUX Study Cover |
R-Protect Raiffeisen · via Foyer Appointment with a Raiffeisen adviser With an adviser | Not disclosed on the tax-planning page | Protection solution distributed with Foyer; guarantees depend on the contract | By quotation No quantified fees disclosed; request a quotation and contractual terms | Guarantees and premiums depend on the individual proposal Raiffeisen — R-Protect |
AXA Luxembourg
Baloise
BGL BNP Paribas · via Cardif Lux Vie
Foyer
LALUX · via Spuerkeess
LALUX · via Spuerkeess
Raiffeisen · via Foyer
Decision
Request a quantified written answer where a product exists. Marketing material does not replace full terms, complete fees or a suitable proposal.
01
Separate death or disability cover from savings and ensure each guarantee addresses a real need.
02
Request premium charges, annual fees, yearly surrender values and the cost of guarantees.
03
Check what is guaranteed, what depends on markets and how much is invested after fees.
04
Subtract premiums and interest already claimed before assigning a tax value to a new contract.
Analysis
Worked example
The shared limit is 3 × €672, or €2,016. If €900 of eligible premiums and personal interest has already used it, at most €1,116 of legal capacity remains for a new payment.
2026 rules
Frequently asked questions
No. The law covers certain life, death, accident, disability, health and liability premiums. Property insurance is not automatically eligible.
No. It is shared with other eligible premiums and certain personal-loan interest.
Contracts providing a benefit on survival must, among other conditions, have an effective term of at least ten years.
The reviewed public page did not provide a usable price. It never means that the product is free.
Related reading
Review all 23 brackets, marginal rates and worked income examples.
OpenCalculate the benefit in kind and estimated monthly take-home cost.
OpenUnderstand how household circumstances affect the tax calculation.
OpenConnect the tax scale, social contributions and estimated take-home pay.
Open