to better understand why so many of you to take out life insurance …
Life insurance is the preferred placement of all country.
Life insurance is a savings product that fits most needs.
Life insurance can indeed serve:
- The protection of his close
- Prepare to retire
- To prepare his succession …
Life insurance also adapts to all profiles:
- The younger ones enjoy the exemption from capital gains
- Older who like this tool transmission …
The democratization of cross contracts has contributed to increasing the purchase of life insurance.
The new life insurance contracts have a real financial flexibility.
They also agree well with investors who fear the risk that those who on the contrary, choosing the risk to try to increase their output faster.
Life insurance is a savings product that ensures changes in excess of price changes.
The contracts allow you to change cross-media to appreciate the evolution of financial markets or simply according to the needs of investors.
Thus, it is possible to secure investment at risk by transferring units to account for funds in dollars, either because panic earns the stock markets or because investors need to recover short-term capital for help their relatives (financing of studies, buying a vehicle …) or invest in real estate.
The flexible management of life insurance is not subject to a penalty tax, which is even more interesting.
The good recovery of savings from life insurance, flexible management, the ability to consume the savings at any time to limit or stop payments, make this product a good savings tool to prepare retirement. Retirement is remember one of the major concerns of french.
Indeed, to complete a retirement deemed insufficient, it is possible with the life insurance to set up:
- An income for life (until the death of the subscriber)
- Regular payments over a period of 10, 15 years …
- Or to withdraw all his capital at the end of his life …
Warning! Life insurance is not a liquid investment: when you make a partial or total 8 years before the term of the contract, capital gains or interest generated by the contract are heavily taxed:
- 46% during the first four years (35% 11% of social security)
- 26% for the next four years (15% 11% of social security)
After 8 years, the rate is reduced to 18.5% (7.5% +11% of social security), after deduction of annual $ 9200 for a couple and $ 4600 for a single person. Each insurance rates is different so check your life insurance rates now.
Life insurance provides a benefit that last is often overlooked: it is possible to request an advance to its insurer, under certain conditions. Compared to a consumer loan, this type of loan has the advantage of not being associated with a repayment schedule.
The insured has a period of three years to repay the insurer and the advance request does not require proof of repayment.
Tip: Find yourself to find the life insurance contract that suits your needs the best, ie one that is tailored to your needs, your expectations and your profile.
