The ‘Life insurance is a financial investment. The structure gives investors the advantage of saving and being able to offer them to a person of their choice when the time comes.
This can happen during his life or upon his death. On the other hand, the subscriber himself can benefit from it. These translate into the interest that his contract generates in relation to the cash invested.
The sum and his winnings can be recovered at any time, but under certain conditions.
This type of financial investment is intended for people wishing to have an additional source of income during their retirement. It is made for those who want to capitalize money for land projects.
It contains two compartments from which the contributor can choose. First, the euro fund is a secure medium. There is no risk of loss of fortune with its guarantee.
Then, the accounting unit helps the investor to get started in stocks, bonds or real estate. Its return depends on the flow of the financial market.
Reasons For Success.
Life insurance is the most popular financial investment in France. The subscriber has several options on the type of payment. It can make other financing during the agreement. In addition, it benefits from attractive taxation.
Investments can be diversified in several areas: stocks, bonds or real estate . This can be chosen with knowledge of the risks that the disposer may incur.
The contract can take a multi-support or single-support form. It can only be done in unit of account.
Taxation is also interesting. It depends on the absence of withdrawal for a period of time. It can decrease over time.
If there was a flat-rate deduction of 35% in the first years, after 8 years, the taxation is fixed at 7.5%.
It is possible to combine life insurance with other types of savings by obtaining all the advantages. It is a long-term alternative.
The payments can be modified according to the subscriber: the free deposit or scheduled over a predefined period. The amount also varies.
The disposing party has the choice for a partial or temporary withdrawal of funds, that is to say an early withdrawal. He also has the right to buy back the entire contract. The beneficiary clause can be changed.
The Future Of Life Insurance.
The life insurance is described as just a tax envelope. On the one hand, insurers are criticized for taking advantage of this to develop their activities. On the other, the state is criticized for placing its debts with customers.
Indeed, contracts in euros are experiencing inflation. If before, their guaranteed rates reach 3 or 4%; now they are nonexistent. Even if the broker can still offer a return because his means let him do it.
The source is dry now. This can lead to bankruptcies. Zero percentages do not guarantee the capital invested. There is no longer any absorption capacity.
Insurers’ consensus stocks constitute a danger in their smooth running. Reason for which, they redirect flows towards the units of account.
For policyholders, life insurance commitments are real social assistance. They hope for a stable living environment for their future. Euro contracts meet this expectation.
Except that for solitary investors, they will not benefit from this gain. Their yields will be different although they have launched in any year.
Despite this storm passed on life insurance , it continues to flourish. One in two French people has an agreement. Many others are still thinking about getting started thanks to the advantages it provides to those who have the funds.
It remains the most promising in the sector.
After two years of decline, the start of 2017 is blooming in insurance – life . It constitutes funds in euros . The latter are the most chosen in terms of investment because of durability in guaranteed rates.
Policyholders can also expect constant liquidity and high returns. Savings are safe. These improvements were made thanks to a thirty-year reduction in earnings .
Today, life insurance remains the most attractive structure for a variety of reasons. The financial and commercial qualities of contracts and its legal side are the causes.
On the part of the inspectors, they are forced to increase their share in units of account.
To be able to create a development on equity, the appetite of savers is for the benefit of all kinds of financial investment in shares . Balance must be struck between the insured as well as the life insurance institutions on their commitments.
A possible development will also be to accept a negative guaranteed rate. In this case, the insurer can attest to a high percentage of capital each year. This will allow him to perform his responsibilities.
Subscribers must in this case legally authorize this decision.