Who is death insurance for?
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They are called "temporary death" in the jargon.
The principle of these contracts: to ensure to his relatives the payment of a capital exempt from taxes and inheritance rights in the event of death or significant disability of the insured.
For them to receive 100,000 euros in the event of death, it costs 15 euros per month, on average, to a 40-year-old subscriber.
For a period of one year, this insurance is renewed each year by tacit agreement, until the subscriber decides to terminate it or, automatically, as soon as he reaches the age limit provided for in the contract, 70 or 75 years old.
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These insurance policies that allow loved ones to cope with a premature death
Be careful, however, because its cost increases sharply over the years.
For the same guarantee of 100,000 euros, the premium rises to around 65 euros per month at age 60, and double at age 70.
Another characteristic of these contracts is that they are non-returnable: if the risk (death) does not materialize during the guaranteed period, you will have contributed for nothing.
This insurance is in fact particularly
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