Build up a capital sum for one's future retirement or for any other project, be assured that in 20 years time one's current standard of living will be maintained, help one's children or grandchildren financially, see to it that one's family is sheltered from need throughout their lifetime, irrespective of the hazards that everyday life might bring...

In among these few examples there are no doubt one or more life projects that are close to your heart.

But how many products are you going to have to subscribe to if all the examples shown are likely to be of interest to you?

And if one were to give you the reply "1 only" ...

ACTIV’ OPTIOUN forms part of our new generation of life insurance products.

Save OR protect oneself and protect one's own? Nowadays, there is even more need to choose.

By taking out one policy only, you benefit both from a savings instrument AND tailored protection.

Build up a capital sum

We offer you two plans:

1/ ACTIV' OPTIOUN FIX: you opt for a fixed rate savings plan with capital guarantee on maturity. The interest rate remains the same throughout the term of the policy and you might profit from an additional return (profit-sharing), which will depend on the results of Fortis Luxembourg-VIE S.A.

2/ ACTIV' OPTIOUN FLEX: on maturity, your savings will depend on the performances of the funds in which your premiums have been invested. We will be at your side helping you to decide on the distribution of the funds, and where necessary change during the course of the contract, depending on the development of your risk profile and your needs.

Protect oneself and protect one's nearest and dearest

With Activ' Optioun, you benefit as a matter of course from a basic coverage in case of the death of the insured person. But if you have made provision for the future your number 1 priority, we offer you a very complete choice of optional coverages, which will permit you to protect your nearest and dearest in case of death, disability and in other circumstances, such as even hospitalisation.

All whilst ensuring their savings are tax-optimised

Any premiums that you pay under your policy may be deducted under certain conditions subject to the provisions of Article 111 (Luxembourg Income Tax Law) of your tax return.

Do not hesitate to ask us for advice if you wish to know more!

To discover the numerous advantages that this product has to offer, we invite you to look at the following document (PDF format):

The flyer

"A multi-option insurance for an action-filled life"