Smart Tax Relief
Beyond the Ordinary.
Under the 2026 Cyprus Tax Reform, insurance isn't just a safety net—it's your most efficient tax-saving tool. Discover how to leverage the law to keep more of what you earn.
Allowance
The Multiplier Effect
Your 1/5 (20%) insurance deduction is calculated before new personal allowances (children, rent) are applied, maximizing your total tax-free threshold.
Tax Bracket Shield
Strategic premiums can drop your taxable income into a lower bracket (e.g., from 30% to 25%), saving you thousands in annual tax payments.
Untouchable Capital
Unlike other investments, the capital accumulated in your plan is delivered 100% tax-free at maturity, regardless of future tax changes.
Group Synergy
If you are an employer or employee, these plans can be structured to provide corporate tax deductions while building private wealth for the individual.
The Art of
Tax-Free Growth.
Our Tax Relief Insurance Plan is a sophisticated financial tool designed to reduce your tax liability today while building a tax-exempt fortune for tomorrow.
Pension
Secure your lifestyle. Use your 1/5 tax deduction to fund a private pension that pays out 100% tax-free capital.
Student
Strategic education funding. Redirect your tax payments into a high-performance fund for your children's degrees.
Savings
Flexible wealth accumulation. Enjoy full tax-deductibility on premiums and liquid capital for any future milestone.
Registration & Compliance Procedure
From the tax year 2026, the registration process is enhanced with new mandatory compliance steps for all residents aged 25-70[cite: 12, 23].
Initial Registration (TIC)
Complete form ΤΦ2001 for the issuance of your Taxpayer Number. Essential for all tax residents between 25 and 70 years old, regardless of income level.
Document Preparation
Scan and prepare your ID (Cypriots), Yellow Slip (EU Residents), or official tax certificates (Non-Residents).
Claiming Deductions (Form Τ.Φ.59)
To benefit from the new personal tax reliefs (Children, Rent, Energy), you must submit the new Form Τ.Φ.59 to your employer. This ensures your monthly tax withholding is correctly calculated.
New RequirementTAXISnet & Consent
Once you receive your credentials via email, log in to TAXISnet. Crucial: Couples must provide digital consent within the portal to allow household income verification.
Access TAXISnet PortalWhy Choose a Savings Insurance Plan?
Moving beyond simple savings to a structured path for your future goals.
Capital Growth
Access to unit-linked funds that aim for higher returns than traditional deposits, leveraging global market opportunities.
Savings Discipline
A structured approach that encourages regular contributions, helping you stay committed to long-term objectives like retirement.
Dual-Purpose Protection
Not just a savings account—it combines capital accumulation with life coverage, ensuring your family's security in any event.
Professional Diversification
Your money is spread across various assets (bonds, stocks, property), managed by professionals to reduce overall risk.
Future Planning
Ideal for specific life milestones, such as children's education funds or a supplemental pension for a comfortable retirement.
Control & Transparency
Full visibility over your investment units with regular updates, giving you the power to adjust your policy as your life changes.
Cyprus Tax Reform Details
New personal deductions based on family status and income criteria.
Single Persons
Up to €40,000
Gross Income Limit
Families (0-2 Kids)
Up to €100,000
Gross Family Income
Large Families (5+ Kids)
Up to €200,000
Gross Family Income
Child Exemptions
Fixed amounts per dependent child, provided income limits are met.
Housing & Energy
Deductions for primary residence costs and green upgrades.
Saving Plans
Unlock your future with a minimal monthly premium.
Saving, Pension or Student plan helps you financially in the long-term so that you can have an secure future.
Request a quote or book an appointment:
Future-Proof Wealth Architecture.
Leveraging the 2026 Cyprus Tax Reform to deliver maximum net returns through institutional-grade fund management.
The 1/5 Power Advantage
In Cyprus, your premiums are not just an expense—they are a strategic deduction. Deduct up to 20% of your gross income, reducing your effective tax rate significantly.
Active Management
Institutional portfolios managed by top-tier experts. Market monitoring 24/7 to safeguard your compound growth.
Dynamic Risk Profiles
Tailored unit-linked funds that align with your personal risk tolerance and financial horizon.
Saving Discipline
Designed for long-term wealth (Pension/Education) with emergency liquidity options when life happens.
The "Additive" Factor
Your insurance deductions now work on top of new personal allowances for family and housing. This creates the highest net disposable income in years.
Intelligent
Solutions
We offer intelligent solutions, as well as the best value-for-money packages for all your needs in Cyprus.
"It's okay to take a break & read the article."
News & Insights5 good reasons to make us your insurance advisor in Cyprus!
Bespoke solutions to suit individual needs
Guidance through all Incident Procedures
By your side to help whenever you need
24/7 Support for every situation
Fast claims settlement in your interest
Personal
Insurance Plans
Bespoke plans you can rely on, for when life throws you unexpected surprises.
Business
Insurance Plans
Take care of your business, protect your assets, and secure your success.
What our clients say
View all Google Reviews ↗"I’ve been a client of Maria Konias for the past 3 years. She was fully responsive right on time and in only few days my work was done without any hustle. She's always there when I have any claims or help is needed. Highly recommend!"
"Maria has been super helpful, suggested appropriate policies within my budget and offered excellent advice. Highly recommend!"
"Very reliable and professional when I needed last minute cover for car insurance. Quick service which meant less worries for me."
"Great customer service, I was totally satisfied with the fast replies and simple services without any complexity. I will surely stay with such professional agency."
We are here to help you!
Our expert team of knowledgeable insurance advisors are on hand to provide 24/7 bespoke
support and guidance for each and every one of our clients. No matter the circumstance.
Whether it is your life, your family, your business, or your future that needs
protecting or securing, we've got you covered!
A Partnership in Safeguarding Your Future.
In the dynamic landscape of personal insurance, establishing a relationship with a trusted advisor is paramount. As we navigate through 2026, it is essential to have a professional who understands your unique needs and can tailor plans accordingly.
Maria Konias is a trusted insurance advisor in Cyprus, known for a commitment to excellence and customer satisfaction. Engaging with an advisor who prioritizes your interests offers transparent, ethical advice instrumental in securing your peace of mind.
Comprehensive Support
- Bespoke Guidance
Navigating the intricacies of health, life, property, and motor insurance.
- Claims Management
Standing ready to assist you through every step of the claims process.
- Policy Adjustments
Continuous monitoring and tailoring as your life stages evolve.
Take the step today to embark on a journey towards personalized coverage.
Contact Advisor →