Private pension plan combining security and return

zenith60 is a private pension plan that allows you to increase your retirement income while also offering death cover, thereby protecting your loved ones in the event of premature death.

Advantages of private pension zenith60 

With a zenith60 life insurance policy, you are guaranteed the perfect balance between security and savings.

zenith60 is an individual pension plan, which means that a separate policy can be taken out by each spouse.

Return

Not only does this plan offer a guaranteed return on your retirement savings, but you can also enjoy an annual bonus in the form of profit-sharing. 

By saving progressively over an extended period, you can secure a larger private pension and optimise your tax savings.

Tax deductibility

Premium payments in respect of zenith60 are tax deductible under article 111 of the law on income tax.

 Flexibility

Policies usually mature on the policyholder's 60th birthday, but you may also opt to:

  • reap the rewards of your savings at an earlier date in the event of early retirement
  • continue saving until your 65th birthday and avail of an extremely attractive interest rate

 When the policy matures, you will receive the accumulated capital and accrued interest: 

  • in full, in the form of a monthly life annuity: your savings are converted into a monthly annuity which you will receive for the rest of your life
  •  in full, in the form of a principal-protected life annuity: you will receive a monthly annuity for the rest of your life. If the monthly annuities already paid out at the time of your death do not account for your total savings, the balance will be paid to your beneficiaries
  • or as a lump sum

 Protection for your loved ones

If you die before reaching retirement age, your loved ones are protected:

  • the nominated beneficiary receives the death benefit provided for under the policy

or

  • your spouse receives a life annuity for the rest of his or her life

Increase your security by taking out additional cover that provides protection in the event of disability or death resulting from an accident.

All our retirement savings plans at a glance!

Brochure/ Fiche info financière Assurance Vie

For more information, please download the leaflet or consult the "Fiche info financière".

Don't hesitate to contact your Foyer agent who will advise you on how best to optimise your retirement savings and ensure that you don't miss out on any available tax deductions.