Life insurance: the 6 important information to look at on your annual statement

Life insurance: the 6 important information to look at on your annual statement

that’s it you received it if you have life insurance. What ? the annual statement pardi. Take the time to read it. (Credits: © Prostock-studio – stock.adobe.com) It is during the first quarter of the year that managers of life insurance contracts send an annual statement to their clients. A summary of the previous year … Read more

Life insurance: are insurers’ reserves sufficient to cope with the rise in rates?

Life insurance: are insurers' reserves sufficient to cope with the rise in rates?

(Photo credits: 123RF) With the rise in interest rates, life insurance companies have an interest in maintaining a rate of return for their funds in euros that is sufficiently attractive compared to that of other risk-free assets. For this, they will most likely have to tap into their reserves. How does the rise in interest … Read more

The essential of the week: good weather on life insurance collection, the tax notice reception season for 2022 is open! Sustainable development invites itself to financial advisors, Pay with holiday vouchers at tolls

The essential of the week: good weather on life insurance collection, the tax notice reception season for 2022 is open!  Sustainable development invites itself to financial advisors, Pay with holiday vouchers at tolls

(Photo credits: Wikimedia Commons – Raimond Spekking) Life insurance contributions hit their highest level since 2010 during the first half of 2022. The 2022 tax notices on 2021 income are made available to taxpayers during the month of August 2022. Inflation reached a new record in the euro zone in July 2022, at 8.9% over … Read more

Life insurance: think about withdrawals and advances when you need money

You can easily withdraw money from your life insurance to meet an unexpected need photo credit: GettyImages Do you need some money fast? Usually, regulated savings (Livret A, LDDS) are preferred in this case. But if you are the holder of a life insurance contract, other possibilities are available to you: redemption or advance. These … Read more

4 questions you ask yourself about borrower insurance

4 questions you ask yourself about borrower insurance

(Photo credits: Unsplash – JESHOOTS.COM) In a context of high inflation and while volatile stock markets and bear markets are less attractive, investors may be attracted to real estate, a tangible investment that is reassuring and particularly suited to the current period. Indeed, despite the rise in interest rates, real estate loans still make it … Read more

Life insurance: can you be prevented from withdrawing your money?

Life insurance: can you be prevented from withdrawing your money?

(Photo credits: © Andrii Yalanskyi – stock.adobe.com) Faced with 2% of the Livret A, the euro life insurance funds pale in comparison. To prevent savers from selling off their assets, a blocking of redemptions is possible. But in what case? By MoneyVox, In 2021, the average return on euro funds from life insurance contracts was … Read more

Life insurance and SRI: which labels to watch?

Life insurance and SRI: which labels to watch?

In the context of life insurance, the responsible investment offer is expanding photo credit: GettyImages For investors, the search for performance can be associated with “extra-financial” objectives. So-called “responsible” Collective Investment Schemes (UCIs) take into account Environmental, Social and Governance (ESG) criteria. In recent years, they have multiplied, but without always convincing with regard to … Read more

How can you insure yourself against the risk of dependency or loss of autonomy?

How can you insure yourself against the risk of dependency or loss of autonomy?

(Photo credits: 123RF) In France, there are more than one million dependent people. They will be 1.5 million in 2030 and more than 2 million in 2060. This loss of autonomy entails expenses that income and State aid cannot always cover. Long-term care insurance provides protection against long-term care risk and anticipates its financial consequences. … Read more

Borrower insurance: in which cases are you protected?

Borrower insurance: in which cases are you protected?

What are the guarantees that make up borrower insurance? (Photo credits: Adobe Stock – ) Backed by a mortgage, the borrower insurance takes over in the reimbursement of the bank in the event of default by the borrower. But what are the specific scenarios that can be supported? Do you understand the concepts of disability … Read more

Life insurance: is it mandatory to take out capital in the event of redemption or death?

Life insurance: is it mandatory to take out capital in the event of redemption or death?

On the death of the holder of a life insurance contract, the issue in securities may be advised. photo credit: Getty Images The exit from a life insurance contract, after a total redemption or following the death of the holder, is generally made in capital. It is little known, but a title release is also … Read more