Adèle and Loïc are a couple of young executives. They plan to save some of their income in order to buy their principal residence. Adèle's parents advise them to each open a life insurance policy, a diversified and uncapped investment. According to them, life insurance is more than just a savings contract: it is a way to finance all their life projects.
Opening life insurance is simple and easy
Complementary to precautionary savings (passbooks), you can invest your savings in the medium and long term.
With life insurance, Adèle and Loïc will be able to build up a contribution for the purchase of their main residence, but also save for other projects such as financing the studies of their future children.
Payments can be one-off or scheduled according to the choice of the investor.
Other advantages: there is no ceiling to fund a life insurance policy and it is even possible to hold several!
Life insurance allows Adèle and Loïc to diversify their savings according to their investment horizon, preferences and investor profile.
They will be able to spread their savings on different types of media:
- The fund in euros which offers at all times a capital guarantee excluding management fees.
- The Eurocroissance fund, which is the new pillar of life insurance; It offers a capital guarantee net of fees on payment at the maturity of the guarantee (ten years) and a better prospect of return in the future than the fund in euros. (Before maturity, the amounts invested on this medium can vary upwards or downwards, depending on the financial markets.)
- Unit-linked media (UA) that make it possible to save on more diversified and potentially more remunerative assets (equities, real estate, infrastructure, private equity, etc.) but also riskier. On this type of media, the sums invested are not guaranteed and are subject to upward or downward fluctuations depending on the evolution of the financial markets.
With their AXA Advisor or Agent, they will be able to easily find a turnkey management solution in line with their objectives or freely decide on the distribution of their payments.
AXA digital services to simplify savers' lives
Savings placed in life insurance are flexible: they can be available at any time through redemptions (1). To simplify the lives of its clients, AXA has implemented digital services that complement the expertise of AXA Advisors and Agents. The life insurance policy can also be funded by e-payments. In the same spirit, you can dispose of your savings whenever you want, via a perfectly secure instant e-redemption.
Increasingly advantageous taxation over time
Life insurance contracts benefit from advantageous taxation for redemptions after eight years and in the event of death.
After eight years, Adèle and Loïc will each benefit from an annual allowance of €4,600 on taxable capital gains. If they are subject to joint taxation, they can pool the amounts and benefit from an annual allowance of €9,200.
Tip: to keep this tax advantage, it is better to make partial redemptions so as not to close the contract. Indeed, a total redemption would lead to the closure of the contract and it would be necessary to wait again eight years after the subscription of a new contract.
Here too, Adèle and Loïc can count on the expertise of AXA Advisors and Agents to guide them in their wealth strategy.
For more information, visit an AXA branch or axa.fr.
For more information:
www.axa.fr/epargne-retraite/assurance-vie.html
www.axa.fr/epargne-retraite/assurance-vie/eurocroissance.html
Avenir entrepreneurs – AXA
https://agence.axa.fr
(1) Operation subject to taxation and social security contributions.
(2) Investment in unit-linked media entails a risk of capital loss. The amounts invested on unit-linked media are not guaranteed by the insurer, which only commits to the number of units of account, but are subject to upward or downward fluctuations depending in particular on the evolution of the financial markets.
Taxation: operations subject to taxation and social security contributions.
In the event of a beneficiary accepting or securing the contract, the beneficiary or creditor will have to agree to make a redemption.
