Nearly 90% of life insurance contracts offer a floor guarantee, optional or included automatically in the contract.
However, this is rarely taken out by policyholders when it is optional.
“Only 10% of our clients choose
it,” confirms Gilles Belloir, managing director of the broker Placement-direct.fr.
As for the Assurancevie.com site, only 1% of investors subscribe to it.
1. What is the minimum guarantee?
In the event of the subscriber's death, the insurer undertakes to pay the designated beneficiaries of the contract a sum at least equal to the total of the payments made, less any costs on payment and redemptions already made.
The savings invested by the policyholder are thus safeguarded: if the contract shows a loss in value on the units of account on the death of the subscriber, the insurer will pay additional capital corresponding to the difference observed between the total of the sums invested and the value of the contract at the time of death.
For a contract valued at 100,000 euros, while…
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