The life insurance is a form of insurance. The original purpose of life insurance is to secure the payment of a certain sum of money (capital or annuity) when an event related to the insured: death or survival. It should, however, make a distinction between insurance in case of death called “death insurance” that pays the capital or annuity in case of death and life insurance in case (also known as life insurance), which provides capital or an annuity in case of expiry of the contract life (death before maturity if nothing is owed to the estate). The life insurance in case of a contract is rarely used in France.
A life insurance quotes can also grow money while pursuing a long-term goal: retirement, investment real estate, etc.. It also offers significant tax benefits for succession.
A life insurance contract must have a fixed-term subscription, renewable or not depending on the contract by extension every year.
The subscriber can choose between several modes of proposed management contracts multichannel:
Profile management: allows the subscriber to financial experts the task of choosing the values and the distribution of assets (stocks, bonds, etc.). According to the profile that has determined the most prudent than dynamic;
Free management: the subscriber chooses itself on which funds to invest;
the management horizon, or controlled: the breakdown between asset classes is in a pattern depending on the age of the policyholder, very risky at first, then more secure when the contract comes to an end.
Discretionary management: the subscriber delegates fully managing its portfolio to a professional depending on your investor profile. Historically reserved for high-end contracts, this management tends to democratize, especially among Internet contracts.