Life Insurance provides solutions to a wide range of situations and can fulfil most objectives you may have, whilst enabling you to benefit from a particularly advantageous tax regime.

Life Insurance is one of the most attractive financial investments available. But today there are very many products on the market due to the success of life Insurance, so a proper understanding of the mechanisms is essential.

How a life Insurance contract works

The mechanism :
Under the terms of a life Insurance contract, the insurer undertakes to pay, either in a lump sum or as regular payments, the insured or a third party beneficiary, in the event of life and/or death of the insured.

Access your savings at any time

• During the term of the contract
  

  • “Buyback"
    The subscriber can buy back all or part of the amount invested before the end of the contract. The contract is terminated if all contributions invested are bought back.
    

  • “Cash advance”
    In the event of a temporary need for cash, the policy holder can obtain an amount equivalent to a percentage of the capital. In return, the policy holder owes interest on the amount advanced. Cash advances are not taxed, nor do they reduce the amount of capital invested.
    

  • Loan guarantee :
    Some life Insurance contracts can be used as security for loans. In such cases, the income from a contract is pledged to a creditor as a guarantee.
    

• At the end of the contract period
  At the end of the contract period, you can choose to receive your funds as a lump sum or in regular payments, or as a combination of the two.
  

  • Lump sum :
    The named beneficiary is paid, whether the insured is living or deceased.
    

  • Regular payments :
    Provides the insured or a named beneficiary with a guaranteed, regular income for the rest of their life.