{"id":5641,"date":"2012-04-30T15:06:08","date_gmt":"2012-04-30T15:06:08","guid":{"rendered":"https:\/\/gregorydamy.niceavocats.fr\/?p=5641"},"modified":"2023-08-25T05:49:47","modified_gmt":"2023-08-25T05:49:47","slug":"life-insurance","status":"publish","type":"post","link":"https:\/\/gregorydamy.niceavocats.fr\/en\/life-insurance\/","title":{"rendered":"Life insurance"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.20.2″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.19.5″ _module_preset=”default” background_enable_mask_style=”on” background_mask_style=”wave” background_mask_color=”rgba(0,0,0,0.08)” custom_padding=”||6px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_circle_counter title=”Estimated reading time (in minutes)” number=”2″ percent_sign=”off” _builder_version=”4.20.2″ _module_preset=”default” title_font=”Amiri||||||||” max_width=”137px” global_colors_info=”{}”][\/et_pb_circle_counter][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/gregorydamy.niceavocats.fr\/wp-content\/uploads\/2012\/04\/Life-insurance-1.png” title_text=”Life-insurance-1″ _builder_version=”4.21.0″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][et_pb_text admin_label=”Text” _builder_version=”4.21.0″ text_font=”Amiri||||||||” header_2_font=”Amiri||||||||” header_3_font=”Amiri||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

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Life insurance<\/span><\/a>\u00a0is the preferred investment\u00a0<\/span>\u00a0of the French.\u00a0How to choose it well?<\/span><\/p>\n

An evolving financial investment<\/span><\/h2>\n

A life insurance contract is a financial investment that can accommodate a large number of instruments.\u00a0<\/span><\/span>It is therefore necessary to choose the financial\u00a0supports\u00a0<\/span>\u00a0in which one wishes to invest: shares, bonds, UCITS\u2026 Each presents a variable degree of exposure to the risk of capital loss.\u00a0We must therefore determine whether we prefer to favor a safe investment or favor risk-taking.\u00a0For example, an equity investment will be subject to the vagaries of the financial markets and you may earn more or lose more.\u00a0The choice of investment to be made must therefore depend on the saver’s temperament in the face of risk taking, but also on objective criteria: income, composition of assets, age, destination of the savings, etc.\u00a0For example, if this investment is intended for a supplementary pension,<\/span><\/p>\n

Transfer of assets<\/span><\/h2>\n

The life insurance contract is also a means of transferring one’s assets under tax-efficient conditions.\u00a0It is therefore necessary to choose the beneficiary carefully because he will be the sole beneficiary of the funds on the death of the subscriber.\u00a0Indeed, the life insurance contract is not the subject of a recovery in the assets and escapes, in principle, the rules of sharing of common law.\u00a0This can therefore have the effect of favoring one heir over another.\u00a0However, it is quite possible to indicate several beneficiaries for the same life insurance contract.<\/span><\/p>\n

The duration of the internship<\/span><\/h2>\n

The duration of the internship is subject to a tax constraint: the tax advantage which is granted by the State is acquired partially after 5 years and in full after 8 years.\u00a0You must therefore be prepared to tie up your funds for 8 years.\u00a0It is always possible to unlock your life insurance before term but, in this case, you will lose the tax advantage.\u00a0In the event of an investment of less than 8 years, the saver therefore has every interest in favoring another investment vehicle.\u00a0Banks, insurance companies or independent financial advisers generally offer more attractive pricing conditions when the saver extends the duration of the planned investment.<\/span><\/p>\n

Trading fees<\/span><\/h2>\n

Banks, insurance companies and independent financial advisers always have a margin of negotiation.\u00a0<\/span>Do not hesitate to negotiate with them the entry fees, custody fees and other management fees.\u00a0<\/span><\/span>The higher the investment, the more the financial institution is willing to give an additional discount.\u00a0Also be aware that banks and insurers may apply higher rates if you are already a customer.\u00a0It is therefore always interesting to compare the offers.\u00a0You can also turn to an independent financial adviser who can offer you similar funds.<\/span>
DAMY law firm<\/span><\/a>\u00a0, Nice, Life insurance, Update 2022.<\/span><\/p>\n<\/div>\n

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Life insurance\u00a0is the preferred investment\u00a0\u00a0of the French.\u00a0How to choose it well? An evolving financial investment A life insurance contract is a financial investment that can accommodate a large number of instruments.\u00a0It is therefore necessary to choose the financial\u00a0supports\u00a0\u00a0in which one wishes to invest: shares, bonds, UCITS\u2026 Each presents a variable degree of exposure to the […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[304],"tags":[],"class_list":["post-5641","post","type-post","status-publish","format-standard","hentry","category-insurance-law"],"yoast_head":"\nLife insurance - Soci\u00e9t\u00e9 d'avocats Damy<\/title>\n<meta name=\"description\" content=\"Life insurance contract is a financial investment that can accommodate a large number of instruments. 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