Life insurance with or without capital proceeds.


Many people moving to another country receive or will receive one or another form of pension, or have a capital amount they wish to invest with a reasonable yield.
Part of their pension, instalment pension (o.l. ?) which is paid out has a term time of 10 years.   -  Many ask this question and what next ? 

Our advice is. Remember saving for the next 10 years of your life.

In France there are special deduction rules in force for private savings. For example, if you take out a life insurance with capital yields where the term is a minimum of 8 years, the profits are tax free.
If the profits are taken after 4 years, tax is only deducted on 50% of the profits etc. This means that the capital is no longer tied up, and that it can be taken out, if an unforeseen situation should arise.

With the drawing up of an insurance arrangement, your capital is invested at a maximum transaction, at the same time securing the capital payment upon death.

Life insurance as security on a loan for property.

In France, as a rule , it is difficult to obtain a loan for property. Therefore, the loan company requires an insurance as security for the remaining debt still in force.

We will be pleased to help you take out this type of policy at a competitive premium. There are many different types of combination for this type of insurance.

Example

A married couple, 60 years of age, wish to take out a house loan of E 200.000

Example 1: The man has an income, which means that he does not have a problem paying the interest and payment for the loan.

In the event of the man's death or invalidity, the insurance company will pay the remaining debt.

Example 2: The man and wife have a joint income, which means, that together they do not have a problem paying the interest and payment for the loan.

In the event of the man or the wife’s death or invalidity, the insurance company will pay the remaining debt for the claimant. By this, the weight on the economy is still the same for the one left.

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