Indeed, saving gradually over a wide range of investment, retirement life insurance allows you to benefit from a share of the tax benefits shown by the exemption of capital gains betting tax and other gain from the retirement or a lump sum or an annuity.
This investment is also a means for transmitting a part of the capital to her children or spouse. The mechanism for funding the regulated life insurance policies, that is to say that the income generated by savings during the life of the contract are not reinvested but received the contract to be self-interest bearing.
The provider has a choice placed a fixed sum generating reinvested interest in the contract, invest money regularly or consider a mix of investments. To create an annuity or a lump in his retirement, the purchase of life insurance is as one of the dominant means to be while enjoying the tax benefits that exist.
Currently, French providers have a preference for this type of investment with the aim of creating a pension supplement. Subscription is open to all without obligation to pay and no limit to the number of life insurance policies or the amount.
The recovery of investment is still possible at any time and the money is automatically paid to beneficiaries in case of death of the insured.
Insurers offer their customers anxious to maintain lifestyle and anticipating a likely decline in revenues, different forms of life insurance policies to ensure the welfare of a comfortable retirement, including:
- The contract mono support or euro fund, aimed at more risk aversion and a performance guarantee, in any case, is limited, around 4.30% net per year (in 2008).
- The contract multichannel or units of account for the fastest growing attracted to risk, including market returns affect financial performance and provides an average return with money in Euros.
- Contracts multichannel NSK, established in 2005, trained at least 30% equity, 10% of securities called risk and 5% of shares “unlisted.” Regarding fees, these instruments include fees, ranging between 20 and 50 Euros.
Sampling for each payment between 0% and 5% are caused. Annual fee, set at about 0.6% is deducted each year.