Life insurance or real estate professionals bet on a failure of the reform of pay-as-you-go systems

By opposing tooth and nail to the reform of the pension system, Jean-Luc Mélenchon and Marine Le Pen may not realize it, but they will accelerate the bankruptcy of the current pension system. Consequently, they will, in fact, push the French towards individual and private pension plans, which they are already partially doing. Insurance professionals, … Read more

Life insurance, a privileged instrument for the transmission of assets

The insured can freely choose the beneficiaries of his life insurance contract in the event of death. They will benefit from an advantageous tax regime. Christophe Vourlat, Head of Private Wealth Development at Swiss Life, explains how to do this. While there is a good chance that a possible inheritance tax reform will be implemented … Read more

Life insurance, a privileged instrument for the transmission of assets

The insured can freely choose the beneficiaries of his life insurance contract in the event of death. They will benefit from an advantageous tax regime. Christophe Vourlat, Head of Private Wealth Development at Swiss Life, explains how to do this. While there is a good chance that a possible inheritance tax reform will be implemented … Read more

Act now to boost your future income

OUR ADVICE – Life insurance, PER… What investments should be favored to supplement your income? Manual. It is rather good news: 57% of French people save, according to an Odoxa survey for Groupama published in September 2021, with, as their main motivation, preparing for their retirement. To be able to finance it, they intend in … Read more

how to compete?

OUR ADVICES – A new system will soon allow you to renegotiate your insurance at any time. The only obligation will be to present a new contract with guarantees equivalent to the old one. Despite the rise in rates, the monthly contribution paid to insure your mortgage still often exceeds the cost of interest. To … Read more

Removing the mention of the beneficiary clause “failing that, my heirs”, does not necessarily have the desired effect

The beneficiary clause of a life insurance must be precise Istock – Edith Valleron In the event of the death of the beneficiary of life insurance, the capital is not paid to his heirs but to those of the subscriber. And this, even if the subscriber had taken care to cross out the mention “failing … Read more

“Life insurance and PER are complementary investments”

To enjoy your retirement with complete peace of mind, planning ahead is key! Thus, it is advisable to start investing from the age of 40 to have additional income to your retirement pension and maintain your purchasing power. Retirement Savings Plan (PER), life insurance, real estate… Watch our digital event of May 11 in replay, … Read more

Removing the mention of the beneficiary clause “failing that, my heirs”, does not necessarily have the desired effect

The beneficiary clause of a life insurance must be precise Istock – Edith Valleron In the event of the death of the beneficiary of life insurance, the capital is not paid to his heirs but to those of the subscriber. And this, even if the subscriber had taken care to cross out the mention “failing … Read more

This trick to give via life insurance, and prevent the money from being wasted

OUR ADVICE – This investment, well suited to making money grow over the long term, offers real guarantees in the use of funds. Parents or grandparents who wish to build up a woolen stocking for their children or grandchildren often turn to the Livret A to store this savings. Due to the renewed inflation, the … Read more

Termination of insurance contracts will be easier

Insurers will have to comply with the new rules from July 1, 2023. Termination and simplicity have never gone hand in hand. Alerted by the insurance mediator to the confusion and incomprehension in a number of contract termination procedures, the Financial Sector Advisory Committee (CCSF) took up the issue by creating a working group specially … Read more