Life insurance is a long-term investment that allows you to increase your savings while benefiting from tax incentives. Focus on future financial investments!
Life insurance is a good investment for French people. Therefore, this investment continues to attract many savers, regardless of profile, payment amount, or purpose. However, the multiple benefits it offers encourage many people to invest. These benefits go far beyond taxation points. Learn more about the benefits of life insurance.
Life insurance is a tax envelope
Life insurance Tax envelope, Because the money you put there can be invested in many media. Above all, choose the best life insurance from the comparators of your choice. Remember that there are two types of life insurance.
Mono support contract
In this type of contract, your capital is Safe funds This is the euro. Therefore, this safe investment has zero risk of loss and generates interest every year. The value of this type of contract is guaranteed by the insurance company.
This is part of you money You will be placed in the Euro Fund. Other parts are invested in higher risk products, but with higher rewards, including account units. There are various media available for the purpose of accessing the financial and / or real estate markets.
In addition, there are several factors that need to be taken into account when choosing any type of life insurance, or support for which savings will be placed: Your risk profileProfitability goals, age, degree of market knowledge, etc.
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Highly profitable life insurance
For years, the life insurance context has shown a decline in rates. Therefore, the euro for life insurance is, on average, a more profitable investment than safe products such as Livret A, Livret de développementres less durable (LDD), PEL.
In addition, the French insurance federation yield The average for 2020 increased by 1.10%. However, not all euro funds are the same. Banks and traditional insurers generally struggle to provide more than 1.5%, while other establishments continue to exceed 3% after deducting fees this year. In addition, life insurance is suitable for investors who are ready to take risks in order to get a return. Some account units are at higher risk than other accounts.
Life insurance is a flexible savings contract
Contrary to your belief, savings go beyond life insurance. the capital same as interest Uppercase letters are always available. For example, if a particular project requires cash, you can claim reimbursement. First, it’s partial. It consists of recovering a portion of the value of the contract. Second, you have a total aimed at recovering everything while losing the tax lead of your contract.
Life insurance also benefits from gradual capitalization. It consists of paying a one-time or regular bonus, depending on your wishes. Also, if you don’t want to touch your capital but need money, you can ask your insurance company to pay in advance.At this level you can also do the following: Contract In some modes. These include, among other things, the outflow of capital, the outflow of life pensions, the outflow at death, that is, the transfer of capital (or pension) to beneficiaries. These must be specified.
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Life insurance enjoys tax incentives for reimbursement
When redeemed, life insurance has strong tax benefits. First of all, when making a partial or total withdrawal, it is important to know that it consists of a capital portion and an interest portion. Since the tax base consists only of interest, some of the capital is not taxed.
The Taxation It depends first on the age of the contract and then on when the premium was paid. Apart from tax cuts, the tax rate will be optimal after 8 years. Indeed, it is an alternative to taxation under your income tax. Therefore, you will be able to benefit from the annual reduction in profits generated by the contract. This is € 4600 per year for singles and € 9200 for couples.