Insurance · Tax optimisation · Wealth

Pay less tax in Luxembourg, with a dedicated adviser.

The full Foyer insurance range plus tailored support with tax optimisation, for residents and cross-border commuters of the Grand Duchy. No jargon, no call centre.

✓ First meeting & review free ✓ Residents & cross-border commuters ✓ A real human by your side

Estimate your tax savings

Indicative simulation in 30 seconds, no commitment.

Old-age provision (111 bis) Outstanding loan balance Life insurance
Indicative estimate up to €2,500 Indicative result, to be confirmed during your free review — subject to legal conditions and your own situation.
Fine-tune with an adviser — free review

Indicative, non-binding estimate. The exact amount depends on your situation and is confirmed during the free tax review.

Save time

We gather, complete and file your tax return. No more wrestling with forms or MyGuichet.lu.

Pay less tax

Old-age provision 111 bis, outstanding loan balance, life insurance: we activate every legal lever to reduce your taxable income.

No stress, a real adviser in front of you

A dedicated contact, approved by Foyer, who knows your file. No call centre, no automated system.

Our agency, in figures

The tax expertise of your Alzingen agency

Results of the tax support delivered within our D&D Assurances agency in Alzingen.

5 000+ clients supported in tax matters, within our agency
5/5 Google rating verified client reviews
10 years of tax support in Luxembourg

Figures relating to the tax advisory activity of our D&D Assurances agency only.

Backed by a market leader

Backed by Foyer, Luxembourg's insurance leader

Approved agency of the Foyer group — code 05422: the strength of the leading private player on the market, at the service of your tax optimisation.

1922 year founded of the Foyer group
No. 1 insurance leader in Luxembourg
40 % market share in non-life insurance (Luxembourg)
Why D&D Assurances

Six good reasons to entrust us with your taxes

More than an insurance agency: complete wealth advice, dedicated to your peace of mind.

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The strength of Foyer, the closeness of a human-sized agency

The full range of Luxembourg's No. 1 private insurer (market leader since 1922), with a dedicated adviser who knows your file. No call centre.

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Insurance AND tax optimisation in one place

At every appointment, a free tax review (old-age provision 111 bis, outstanding loan balance, LFS life insurance) to turn your premiums into tax savings.

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A single point of contact for all your wealth

D&D Assurances is part of the D&D group (Real Estate · Property Management · Insurance): coherent wealth support, from housing to retirement.

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Tailor-made, not off-the-shelf

Every solution is adjusted to your situation: resident or cross-border commuter, family, self-employed, company director.

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Long-term follow-up

An annual review to adapt your contracts and your optimisation as your life evolves.

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Local and available

Your agency in Alzingen (route de Thionville), serving residents and cross-border commuters of the Grand Duchy.

Insurance distribution in partnership with the Group

Approved agency of the Group Foyer
How it works

Your tax return in 4 simple steps

You drop off, we optimise, you approve. Clear support from start to finish.

Drop off your documents

Gather your certificates and supporting documents and hand them to us, at the agency or online.

Complete & check

We complete your tax return and check every personal detail with you.

We prepare, you approve

Your return ready to submit, explained simply, without jargon.

Reduce your taxes

We activate every tax lever to maximise your refund.

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Reviewed by an expert

Your return is reviewed by an approved Foyer adviser — not by a machine. We secure your file and spot every overlooked deduction.

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Need help?

A question about your situation? Check our online help or contact your adviser directly.

Help & FAQ →
Tax optimisation

Three levers to pay less tax

In Luxembourg, insurance is not just protection: it is also a powerful tax optimisation tool. Discover the levers we activate for you.

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Old-age provision

Build your retirement while reducing your taxable income (art. 111 bis LIR).

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Outstanding loan balance

Protect your loved ones on your home loan and benefit from a tax deduction.

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LFS life insurance

A Luxembourg framework to structure and pass on your wealth.

Why get support

D&D Assurances or MyGuichet.lu alone?

MyGuichet.lu is the State's free official portal — perfect for filing on your own. Our added value: a human adviser who optimises and secures your tax return.

What you get
D&D Assurances
MyGuichet.lu
(alone)
Dedicated adviseran adviser who knows your file
✓
✗
Personalised tax reviewa tailored analysis of your savings
✓
✗
Tax optimisation111 bis, outstanding loan balance, life insurance
✓
✗
Human reviewyour return checked by an expert, not a machine
✓
✗
Residents and cross-border commuterssupport tailored to your status
✓
Partial
No technical hassleno LuxTrust/eID to handle yourself
✓
✗
Annual follow-upwe adapt your contracts every year
✓
✗
Full Foyer rangeall your insurance in one place
✓
✗
Compliant official filingform 100 filed correctly
✓
✓
Freefree tax review included
✓ free review
✓ free portal
The Foyer universe

All your protection, in one place

Beyond tax, your approved Foyer agent gives you access to the group's full range — car, home, health, provision — from a single point of contact in Alzingen.

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Mobility

car & motorbike

Car, motorbike, partner garages, glass breakage, assistance.

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Home

housing

Home, travel, pets, unpaid rent, civil liability.

⚕️

Health

supplementary

Supplementary health, hospitalisation, second medical opinion.

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Provision & Life

retirement savings

Savings, 111 bis retirement, life insurance, death benefit.

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Professionals

businesses

Self-employed, SMEs, directors, professional liability, director provision.

The D&D ecosystem

Insurance, real estate and property management — one contact

D&D Assurances goes beyond your policies. For your home, we work hand in hand with our two exclusive partners: D&D Immobilier for acquisition and management, D&D Syndic for co-ownership.

★ Exclusive partner

D&D Immobilier, your project from A to Z

Our exclusive partner for property acquisition and management in Luxembourg. From finding the right property to loan insurance and letting, you are supported by one consistent ecosystem from start to finish.

  • Acquisition — search, negotiation and financing of your property.
  • Management & syndic — letting, rental management and co-ownership.
  • Insurance & tax — outstanding-balance cover and tax optimisation tied to your loan.
Discover D&D Immobilier →
D&D Immobilier — buying, selling, letting, rental management, property development
★ Exclusive partner

D&D Syndic, your co-ownership in safe hands

Our second exclusive partner, dedicated to co-ownership management in Luxembourg. General meetings, budget, works, claims: a professional managing agent who runs the building day to day — and speaks the same language as your insurance adviser.

  • Co-ownership management — general meetings, annual budget and works supervision.
  • Transparent accounts — itemised service charges and clear statements every financial year.
  • Peace of mind — maintenance, claims and building insurance handled together.
Discover D&D Syndic →
D&D Syndic — building and co-ownership management in Luxembourg
Meet your team

Your Foyer advisers

Three approved Foyer group agents at your service in Alzingen. A face, a name, a single contact who knows your file.

Frédéric Dumoulins

Frédéric Dumoulins

Manager · Approved Foyer agent — Agence 05422
Christophe Serba

Christophe Serba

Approved Foyer agent — Agence 05422
Valérie Campagna

Valérie Campagna

Approved Foyer agent — Agence 05422
They trust us

Google reviews

Our clients' satisfaction is our best calling card.

5.0
Google rating 5.0 / 5Verified client reviews
Ready to take action?

Request your free tax review

First meeting with no commitment, at the agency or by phone. Reply within 48 hours.

📅 Book a free meeting Estimate my savings