In Luxembourg, insurance is not just protection: it is also a powerful tax optimisation lever — one that only an approved agent knows how to activate. Here is how we turn your premiums into tax savings.
Every eligible contract reduces your taxable income. We combine them to maximise your saving, within legal ceilings.
Article 111 bis LIR — deduct your contributions from your taxable income (ceiling raised to €4,500/year since 01/01/2026). Build your retirement while reducing your tax.
Covers your mortgage and offers a tax deduction on the premiums. Protection for your loved ones combined with an immediate tax benefit.
A Luxembourg tax framework (freedom to provide services), ideal for international residents and passing on family wealth.
Resident, cross-border commuter, self-employed or company director: we adapt the levers to your situation.
LU tax optimisation, retirement, wealth transfer
Cross-border specifics, tax treaties
Professional provision, liability, loss of income
Cyber, directors, business transfer
In Luxembourg, the tax return follows a precise path. Here are the 7 steps — and at each one, we are by your side.
Annual salary or pension certificate, interest and insurance certificates, supporting documents (donations, childcare costs, home savings, outstanding loan balance).
Obligation or interest to file, tax class (1 / 1a / 2), resident or assimilated cross-border commuter.
Online on MyGuichet.lu (LuxTrust / eID product) or the paper version.
Salaries, pensions, rental income, capital income, foreign income.
Old-age provision (art. 111 bis, up to €4,500/year), insurance premiums, loan interest, home savings, outstanding loan balance, donations.
Before the deadline (in Luxembourg, generally 31 December of the following year).
Check it; an appeal remains possible within 3 months.
The initial tax review is always free. What follows adapts to your needs, with no bad surprises.
Take out a policy with D&D Assurances and get −20% off the fees for your tax return.
Offer valid for any policy taken out during the year of the tax return concerned.
Results of the tax support delivered within our D&D Assurances agency in Alzingen.
Figures relating to the tax advisory activity of our D&D Assurances agency only.
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.
Our clients’ satisfaction is our best business card.
An approved adviser analyses your situation and quantifies your tax savings — free and with no commitment. Reply within 48 hours.
