Life and Capitalization
Study Insurance
It guarantees the payment of an annual pension of 3 years to 5 years for your child's education.
TERMINATION OF WARRANTIES
The level of the annual annuity and the duration of service of the annuity are fixed by the subscriber to the subscription.
OBJECT
- In the event of the life of the insured at the end of the contribution period: Payment of an annual pension intended to provide education for the beneficiaries. - In the event of death or total permanent disability of the insured before the end of the contribution period: Suspension of contributions and immediate payment of pensions until the end of the contract. MEMBERS Any natural person aged 18 to 60
CONTRIBUTION AMOUNTS
The periodic contribution is a function, for each member, of the amount of the annual pension chosen, the duration of service of the subscribed annuity, the duration of the contributions and the age of the member.
GUARANTEED CAPITAL
Benefits: Benefits are provided in the form of certain annuities over periods of 3, 4 or 5 years depending on the member's choice in the event of survival and over the remaining period in the event of death.
TYPE
TYPE
Individual insurance contract
AMOUNT OF GUARANTEES
The death and life cover ends in the following cases: - At the end of the contribution period - In the event of non-payment of premiums - Upon termination of the contract
CONTRACT LENGTH
Minimum contribution period: the minimum contribution period is 5 years. However, at the end of the contract, the insured person must not be over 65 years of age. Duration of annuity service: the duration of annuity service is 3 years, 4 or 5 years. Duration of the contract: the duration of the contract is the sum of the duration of contribution and the duration of service of the annuity. Thus the term of the contract is the end of the annuity service period.
GUARANTEED CAPITAL
Benefits: the benefits are provided in the form of certain annuities over periods of 12 to 60 months depending on the member's choice.
TERMINATION OF GUARANTEES
The death and life guarantees cease in the following cases: - At the end of the contribution period - In the event of non-payment of premiums - Upon termination of the contract
OBJECT
- In the event of the insured person's life at the end of the contribution period: Payment of a monthly pension intended to ensure retirement. - In the event of death or total permanent disability of the insured before the end of the contribution period: Suspension of contributions and payment of the monthly pension over a fixed period regardless of the length of service of the pension.
CONTRIBUTION AMOUNTS
The periodic contribution is a function, for each member, of the amount of the annual pension chosen, the duration of service of the subscribed annuity, the duration of the contributions and the age of the member.
Pension Insurance
It guarantees the payment of a monthly pension over a fixed period (from 1 year to 5 years), allows you to perceive your savings as an employee during your retirement.
TYPE
Individual insurance contract
AMOUNT OF GUARANTEES
The level of the monthly pension and the duration of service of the pension are set by the subscriber.
CONTRACT LENGTH
Minimum subscription period: the minimum subscription period is less than or equal to the residual period of activity. She is at least 5 years old. Annuity service period: the annuity service period is determined by the subscriber and is between 12 and 60 months. Duration of the contract: the duration of the contract is the sum of the duration of contribution and the duration of service of the annuity. Thus the term of the contract is the end of the annuity service period.
Retirement insurance
It offers you an additional pension which guarantees the payment of your savings at the end of your working life. It gives you the freedom to choose your payment method: either a single payment of all of your savings plus interest, or a payment in the form of an annuity over a fixed period.
TYPE
Individual insurance contract Group insurance contract (professionals)
CONTRACT LENGTH
The contract is subscribed in principle for the residual period of activity of the insured.
CONTRIBUTION AMOUNTS
The periodic contribution is a function, for each member, of the amount of the annual pension chosen, the duration of service of the subscribed annuity, the duration of the contributions and the age of the member.
OBJECT
The purpose of the contract is to build up savings in order to secure an additional pension.
MEMBERS
Any natural person aged at least 18 and 65 years old at the time of subscription
GUARANTEED CAPITAL
In the event of life: payment of accumulated savings, net of loading, capitalized at the minimum annual technical interest rate of 3.5%, increased by profit sharing (PB). In the event of death: before term: payment of the cumulative premiums paid, net of loading, capitalized at the minimum annual technical interest rate of 3.5%, increased by profit sharing. The death benefit is also paid if the insured has subscribed.
TERMINATION OF WARRANTIES
Cover ends: - In the event of the death of the insured - At the end of the contract - In the event of termination of the contract.
Death Provision Insurance
In the event of death due to an illness or an accident, your insurer transfers the guaranteed capital to your designated beneficiaries. . (life and individual and pro)
TERMINATION OF GUARANTEES
The death guarantee ceases for the main insured in the following cases: - At the end of the contract - In the event of non-payment of premiums - Upon termination of the contract - On the death of the main insured
OBJECT
In the event of death or in the event of total permanent disability of the insured before the end of the contract: Payment of the capital guaranteed in the contract.
CONTRIBUTION AMOUNTS
The periodic contribution is a function, for each member, of the amount of the annual pension chosen, the duration of service of the subscribed annuity, the duration of the contributions and the age of the member.
GUARANTEED CAPITAL
Benefit: The benefits are provided in the form of capital to be paid to the beneficiary (ies) designated by the subscriber to the contract.
TYPE
Individual insurance contract Group insurance contract (professionals)
AMOUNT OF GUARANTEES
The level of core capital is determined on subscription by the subscriber
CONTRACT LENGTH
The minimum duration of the contract is one (1) year renewable.
OPTIONAL GUARANTEES
The following guarantees are offered as an option: - Accidental death which relates to the doubling of the death benefit capital from all causes - Permanent partial or total disability following an accident which has as its object the payment of a reducible capital , - Funeral expenses which have as their object, the payment of an indemnity to meet the funeral expenses of the death of a member of the nuclear family of the subscriber.
MEMBERS
Any natural person between the ages of 18 and 64.