Life insurance is a long-term financial investment instrument, ideal for building savings, growing wealth, and organizing an inheritance. Thanks to tax optimization, it is suitable for various objectives: supplementary income, wealth transfer tool, or diversified investment.
How does life insurance work ?
Life insurance works through free or scheduled payments, invested in various investment vehicles. These funds are allocated into :
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Euro funds: a secure investment option guaranteeing the capital, offering stable returns.
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Unit-linked funds: various assets (stocks, bonds, real estate...) with a higher potential for returns, but a risk of capital loss.
Although often considered a medium- or long-term investment, savings remain accessible, maximizing the benefits of tax exemption.
What are the benefits of life insurance ?
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Tax Advantage: After eight years, it offers reduced taxation on withdrawals.
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Favorable Transmission: Exemption from inheritance taxes under certain conditions when transferring the capital.
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Flexibility and Availability: Capital available at any time to meet urgent needs.
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Personalized Management: Adjustment of the investment strategy to the investor's projects and profile.
Why consult a professional for life insurance ?
The complexities of life insurance, including management options, investment choices, and tax optimization, justify the need for an investment advisor. An expert can :
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Help choose the contract and the investment vehicles aligned with your goals and risk profile.
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Optimize the investment strategy based on your investment horizon and personal situation.
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Maximize returns while managing risks.
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Simplify administrative procedures to maintain tax benefits.
Conclusion
Life insurance is crucial for wealth building, retirement planning, and asset transfer, benefiting from favorable tax exemptions. However, due to the complexity of financial strategies and tax regulations, investment advice is essential to secure and optimize this investment according to your needs, making it a powerful lever for your financial future’s economy and protection.