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The world of investing is not a binary environment. It is impossible to determine, until you have made it, whether a choice is the right one or the wrong one. On the other hand, there are numbers and factual statistics to take into account.
This essential data allows you to better understand how life insurance works . And above all, all its advantages for your financial well-being . From its purpose to its effectiveness, discover the positive effects of a life insurance contract.
1 – A free tax envelope
The first benefit of life insurance is its basic functioning. Indeed, if you are wondering what life insurance is for, the answer is simple: to help individuals put money aside, and make it grow .
Regardless of the project behind it and the savings conditions , each life insurance policy must therefore be able to correspond to the insured and their needs. This is why this contract is considered a tax envelope. You place in this envelope what you want: profitability conditions, rate of return , invested capital, etc.
The single-support contract:
with guaranteed capital and a low rate of return, which allows you to secure your investment in stable euro funds managed by the State. You take no risk, but you earn little.
which links the stability of euro funds with the chances of profitability of the account units. The account units are assets influenced by market fluctuations.
Your life insurance can therefore fully resemble your project and your investor profile. You do not take risks that you do not want to take, and you only invest what you want to invest .
2 – The high rate of return
More pragmatically, the undeniable advantage of the capitalization contract that is life insurance is its high profitability.
It all depends on what you invest in, of course. While euro funds returned an average of 1.10% in 2020 , units of account generally have a higher rate of return, which varies depending on the markets and sectors concerned.
But in any case, these two rates are always higher than those of the livret A, livret jeunes or PEL . So, if you are wondering why you should take out life insurance , it is simply because it is the investment product that has the best chance of making you money. And that is exactly the role it fulfills.
3 – Adaptability to your profile
In addition, as stated in the first advantage, you can give your life insurance the direction you want. Thus, life insurance has a primary utility : to help you prepare for a future project.
Whether it is for the transfer of your assets to your heirs, to finance your children’s studies or even life insurance for your own retirement , you can create a contract that corresponds to your project.
However, your project is determined by a specific duration and specific requirements in terms of risk taking. There is no best life insurance: it is all a question of having a contract in line with your objectives.
It is to help you get the best return on your life insurance that at Forward You, our policyholders can make an appointment with an advisor to open a file. Whether by video or in person, we help you define exactly your expectations in terms of investment.
The duration of the contract, the possible risk-taking and the project you are preparing: we take everything into account to offer you life insurance that suits you.
4 – Contract flexibility
Beyond the conditions and prerogatives of execution of your life insurance, it is a flexible contract by nature. Contrary to popular belief, the money you invest in your life insurance is never blocked. Perfectly available , you can recover it whenever you want by making redemptions .
Redemptions during the contract may be total or partial . They therefore involve recovering all or part of your apital and capital gains.
If you withdraw all of your life insurance, the contract is closed and you lose your tax seniority , which can hve many advantages.
However, if your life insurance contract comes to an end, you can choose to recover your capital in the form of a life annuity or other, depending on what you prefer. In all cases, your investment is perfectly liquid and available: you can recover it whenever you want.