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Pension Insurance
With Lux Pay, you can plan your retirement with clarity and confidence. Our tailored pension solutions are designed around your personal goals, helping you secure long-term financial stability and enjoy greater freedom when you retire.
Pension Insurance from Lux Pay
Protect your standard of living in retirement with My Lux Pay Pension and My Lux Pay Fund Pension.
My Pension is a traditional pension insurance solution that provides a guaranteed monthly income, helping you bridge potential pension gaps and maintain your lifestyle for life.
Flexible Options
With Lux Pay Pension Solutions, you can choose between receiving a lifelong monthly pension or a one-time lump-sum payout, depending on your personal objectives and long-term financial plans.
Growth-Oriented Approach
Lux Pay Fund Pension allocates capital to carefully selected, performance-focused strategy funds, designed to support long-term growth potential.
Comprehensive Protection
Benefit from integrated coverage options that safeguard you and your family against key risks such as death, occupational disability, or serious illness, ensuring broader financial security alongside retirement planning.
When Should You Take Out Pension Insurance?
Many people are surprised when they review their projected pension and discover it may not be sufficient to maintain their current lifestyle. Starting early allows your capital more time to grow, making it easier to build the resources needed for a comfortable and secure retirement.
Planning ahead is not only about your own future, it can also help you establish a solid financial foundation for your children or other dependents. Speak with your Lux Pay Advisor to explore the available options and design a retirement strategy tailored to your long-term goals.
My Lux PAy Pension , The Classic Pension Insurance
If you prioritize security and stability, My Lux Pay Pension is a traditional life insurance–based solution designed to help you save for retirement while protecting you and your family against unforeseen events.
You can choose between receiving a lifelong monthly pension or a one-time lump-sum payment. Optional coverage modules allow you to strengthen your protection in cases such as occupational disability, serious illness, or death — ensuring comprehensive financial security for you and your loved ones.
My Fund Pension — The Fund-Linked Pension Solution
If you want to combine retirement planning with responsible investing, My Lux Pay Fund Pension offers a balanced approach. It enables you to build long-term capital while contributing to a more sustainable future. You decide how your contributions are allocated, selecting from a diversified portfolio of sustainable funds aligned with your chosen risk profile. Upon retirement, you may opt for a lifelong monthly or annual pension, or choose a one-time lump-sum payout — depending on your financial preferences.
My Pension as a Provision for Children
With My Pension, you can also create a financial foundation for your child, grandchild, or godchild. Through regular contributions, you secure a guaranteed minimum payout at the agreed maturity date, while the traditional life insurance framework protects the invested capital. A pension plan can be established from birth. Starting early increases the likelihood of reaching your target amount more comfortably. Contributions may also benefit from applicable tax advantages, including exemptions from capital gains and income tax, depending on local regulations.
