“The insurance life, preferred placement of the French!”

This expression used frequently (and rightly!) by the patrimonial press, summarizes qualities of this formula of saving.

The insurance life is generally advised in the following cases:

• to constitute a capital within a privileged tax framework,
• to prepare its retirement within this same attractive tax framework,
• to transmit an inheritance to (X) profit (S) of its choice,
• to be exonerated of death taxes (in the majority of the cases and under certain conditions).

This environment is also favorable to envisage the financing of the studies of your children or the acquisition of a medium-term good.

Here in some broad outlines environment of the insurance life, all the more favorable as it presents in more one pallet of investment in phase with its time, generally combining safety and the performance.

An attractive taxation

The taxation of the insurance life remains a niche privileged with many regards, in particular with regard to the income tax and the death taxes.

At the exit, you can perceive a capital immediately, prolong your placement, choose a revenue, possibly reversible with the profit of the recipient of your choice.

Transmission of the inheritance

• The insurance life offers within the framework of the succession, a great freedom: you can nominate as a recipient the persons of your choice.

• The plate of the transfer taxes is reduced. Indeed, the capital or the payable revenue with a determined recipient does not form part, except exception, of the succession of the late one.

• The advantageous taxation makes it possible to optimize a patrimonial strategy in the long run.

An additional retirement (or on complementary)

The contracts of insurance life enable you to fill another objective: the constitution of an additional retirement thanks to the exit in life annuity. You thus mitigate the deficiencies of the retirement scheme by distribution while profiting from the essential supplement the pension of the Social security.