Finance your future plans

Making plans to renovate your house or take a big trip is one thing. However, t what if you also want to build your savings, grow your assets and protect your loved ones? Our range of insurance-savings products can help you do it all and even help you save on your taxes.

Two simple, flexible insurance-savings solutions

helios invest

Looking to invest gradually while protecting your loved ones? helios invest is a life-insurance policy that enables you to build your savings while taking advantage of stock-market returns.
This solution also enables you to:
  • Choose any beneficiary(ies) you like.
  • Protect your loved ones. If you should die before the policy reaches maturity, an indemnity of 100% or more (depending on the policy) of the savings provided for or guaranteed is paid out to the beneficiary(ies). You can upgrade your life-insurance policy by adding extra cover for death or disability.


Looking to help your children while saving on your taxes? nova is just the solution for you. This life-insurance policy works like a savings account for a child and over time enables you to:
  • Establish savings for your children. You choose how much you invest monthly. The savings accumulated can be paid out in the form of an annuity or a lump sum.
  • Ensure their security. Should a parent die, the beneficiaries will directly receive a lump sum equivalent to the total planned premiums over the term of the policy. In the event of accidental death, this lump sum doubles.

Key features


You choose the frequency and amount of the premiums to pay based on your budget and goals for when the policy reaches maturity.

Protection for your loved ones

They benefit from a guaranteed lump sum in the event of your death.

Attractive potential returns

You choose between a return based on stock-market performance or profit sharing.

Savings not taxed on pay-out

In addition, both the benefit payable on maturity of the policy and the death benefit are tax exempt.

Tax optimisation

Under the terms of article 111 of the Income Tax Law, you can deduct premiums paid into a life-insurance policy and additional cover premiums from your income taxes.


You can deduct up to € 672 a year per member of your household.

MyFoyer Client Area

In your MyFoyer Client Area, you can view your policies, request attestations or tax certificates or update your personal data.

A home-savings solution to finance your property plans

Looking to save in order to purchase land, build a house or renovate your apartment while taking advantage of tax breaks?
Wüstenrot home-savings plan is the solution for you.


The advantages of a home-savings plan


You invest is considered risk-free.


You gain access to a home-savings loan at an attractive fixed rate.


You can transfer the assets as well as the loan to certain family members.

Your annual home-savings premiums are income-tax deductible up to the following limits:
18-40 years old* Over 40 years old
Single 1 344€ 672€
Couples filing jointly 2 688€ 1 344€
Per additional child 1 344€ 672€
*For couples filing jointly, the ceiling is based on the age of the youngest taxpayer. Age means the taxpayer's age at 1 January of the filing year.

Contact me

Illustration - Message sent
Your request has been sent to us
The postal code allows us to assign you an agent in the local community most suited to your needs, such as your home or work.
By providing your contact details, you agree that Foyer Group (Foyer-Assurances S.A., Foyer Santé, Foyer Vie et Foyer Arag, Raiffeisen Vie, Foyer Distribution) is able to contact you about its policies. No personal data should be included in the comments field, to ensure appropriate protection.
Confirmation of your contact request

Thank you for your confidence!

A Foyer advisor will contact you as soon as possible.

Green check
There was an error!
Please try again later...

Get assistance to optimise your tax return

Find all our advice on the blog

Investing for the long term? The reasons to think about it now.

Investing for the long term is essential to maximise the growth potential of your savings, whatever the size of your savings. Here are the advantag...

It’s more important than ever for young people to think about retirement planning

Why? Due to our increasing life expectancy many of us will have a much longer retirement period than previous generations.
Living until you’r...

Are you sure you are properly insured?

According to the study published yesterday by the Observatory ofn Insurance, residents are not all well-informed about the coverage and guarantees ...

Mortgages: what happens if the borrower dies?

In most cases, your house or flat is your family’s most valuable asset. It is your home and the place where your memories are, which makes it...

How can you ensure you are well prepared for your retirement?

What will your income be once you’ve retired? Not many people can answer this question, but it’s an important one. Retirement can be a good and lon...