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          Agence Foyer - KIRSCH

          Insurance agent 5A Rue Basse L-4963 Clemency (Kéinzig)
          Serves all of Luxembourg
          See the number 50 76 36-1 Getting There Website Happy Pet Assistance Foyer 24/7 FAQ
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          About Agence Foyer - KIRSCH

          • Accredited garages
          • Disabled access
          • Parking
          • Dogs welcome

          KIRSCH Agency – Foyer Assurances in Clémency

          Since 1914, KIRSCH Agency – Foyer Assurances has been supporting individuals, families, cross-border workers, self-employed professionals and businesses with their insurance, protection, savings and wealth planning needs in Luxembourg. Located in Clémency, within the municipality of Käerjeng in southern Luxembourg, our family-run agency is now led by the fourth generation, continuing more than 100 years of expertise, proximity and trust.

          Thanks to its strong local presence, KIRSCH Agency combines the values of a family business with the strength of the Foyer Group, a historic leader in the Luxembourg insurance market. Our team brings together experienced advisors and young talents to offer modern, responsive and personalized support.


          Solutions for every stage of life

          We carry out a comprehensive analysis of your situation in order to provide tailored solutions in the following areas:

          • Motor and mobility insurance
          • Home insurance and personal liability insurance
          • Health insurance and personal protection
          • Family protection
          • Life insurance, savings and retirement planning
          • Tax optimization linked to insurance products
          • Dog and cat insurance (Happy Pet)
          • Insurance solutions for self-employed professionals, liberal professions and businesses

          Whether you are a resident or a cross-border worker, we take your personal, family, professional and tax situation into account to recommend the most suitable solutions.


          Personal and local support

          Our priority is to build a long-term relationship of trust with our clients. We focus on listening, advice and availability to support you in all your insurance and administrative procedures.


          Additional services

          1. Claims assistance and support
          2. Foyer assistance service available 24/7
          3. Vehicle registration support in Luxembourg
          4. Fast issuance of insurance contracts and international motor insurance cards
          5. Personalized analysis of tax deduction opportunities
          6. Dedicated support for cross-border workers, self-employed professionals and businesses

          Thanks to our local expertise and in-depth knowledge of the Luxembourg market, we defend your interests with professionalism, transparency and responsiveness.


          KIRSCH Agency supports clients in Clémency, Bascharage, Steinfort, Arlon, Messancy and throughout southern Luxembourg.


          KIRSCH Agency – Foyer Assurances

          5A Rue Basse, L-4963 Clémency (Käerjeng)

          • +352 50 76 36-1
          • kirsch@agencefoyer.lu

          Einfach fir Iech do / Protecting your world – Foyer

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            Investment solutions using ESG funds

            News

            Investment solutions using ESG funds: responsible savings that reflect your values

            Foyer offers investment solutions using ESG (Environment, Social, and Governance) funds so you can build a nest egg while respecting your values. Invest in funds that factor in environmental issues, social well-being, and responsible management.


            ESG Investment Solutions: Make Your Savings Matter

            With Foyer's investment solutions, you can grow your capital while investing in companies that meet Environmental, Social and Governance (ESG) criteria.

            ✅ Responsible investing aligned with your values

            ✅ Multiple investment profiles tailored to your objectives and risk tolerance

            ✅ The flexibility and benefits of Luxembourg life insurance

            ✅ Professional asset management by CapitalatWork Foyer Group

            In addition to its ESG investment solutions, Foyer strengthens its commitment to sustainability by supporting concrete initiatives that contribute to climate transition and sustainable development.

            For more information

            The KIRSCH Agency team in Clemency is available to answer any questions you may have.

            📞 50 76 36-1

            📧 kirsch@agencefoyer.lu

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            ✨ New Tax Deduction Ceiling: €4,500 per year starting 2026

            News

            One of the key reforms concerns individual savings and retirement provision contracts. The new tax deduction ceiling will rise from €3,200 to €4,500 per year per taxpayer starting in 2026. ✅ This significant increase reflects the government’s commitment to encourage personal savings amid an aging population and tight budgets.


            💡 What does this mean for you?

            For each household, this measure strengthens retirement security by reducing immediate taxation and motivating additional capital building.


            Example:

            A Luxembourg resident, single, taxed at a marginal rate of 35%, invests €4,500 annually in a retirement provision contract. Result:

            👉 Taxable income reduced by €4,500

            👉 Tax savings: €1,575 (€4,500 × 35%)

            Over 10 years: €15,750 saved, plus accumulated capital!

            For a couple: double the benefit – €3,150 saved per year, €31,500 over 10 years, not counting investment returns.


            Other 2026 highlights:

            • ⏳ Gradual increase in contribution period for early retirement; legal age remains 65.

            • 📈 Contribution rate rises from 24% to 25.5%, with support measures for vulnerable groups.

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            🐕🐈 Dog & Cat Insurance – Happy Pet

            News

            Because pets are part of the family 🐾, Happy Pet protects your four‑legged companion and gives you true peace of mind every day.

            ✅ Coverage up to €3,500 per year

            ➡️ For treatments, hospital stays and major interventions

            ✅ No deductible

            ➡️ 100% reimbursement, no unpleasant surprises

            ✅ No upfront payments

            ➡️ Simple and stress‑free

            📍 Ready to protect your companion?

            Calculate your premium in just a few clicks or contact Agence KIRSCH – Foyer Assurances.

            📞 50 76 36‑1

            ✉️ kirsch@agencefoyer.lu

            🐾 Happy Pet – the insurance that cares for those you love.

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