A Quality Policy

In addition to the advantages of life insurance and free access to a wide and varied range of funds, the policies offered by the company provide policyholders with a large number of advantages.

Indeed, the unit-linked product offered by Euresa-life is based on a modus operandi which puts investors' interest ahead. The company has voluntarily placed few constraints and restrictions on their policies in order to be able to offer the most flexible and modulable tool in terms of investment management, redemption or the constitution of the stipulation for the benefit of another.

Advantageous operationality

The initial premium is invested in investment funds such as those desired by the client once the application is accepted.

We process the investments, (initial and additional), redemption and arbitrage of funds on the basis of the next quotation available counting from the value date of the operation which is the following day (D+1) in the case of funds quoted daily. Thus, in the case of these funds, the investment or the disinvestment of the policy holder's premiums is made for the day following acceptance of the operation by the company (*). It goes without saying that this component is an undeniable advantage for a life insurance contract. Clients find peace of mind in the rapid investment or disinvestment of the funds lodged. Responsive management of a contract is also possible to adjust the portfolio quickly in accordance with market evolution.

A flexible contract

• Deposits and redemptions are free as regards respect for minimums which remain accessible (**).

• In addition to being a unit-linked product, contracts are multi-managed and multi-currency.

• Our contract can provide for up to 5 subscribers and 5 insured persons with settlement upon the 1st or last death.

• When taking out the policy, the policyholder is free to choose the duration of the term of the contract (whole life or fixed term)

• Our contract provides a beneficiary clause in the event of death, which the policyholder is free to draw up.

• Your client will be in a position to choose a death benefit option in order to protect or increase the capital paid to the beneficiary (ies) in the event of death as he /she pleases. At present, we offer 2 different death benefits.

• It is possible to subscribe to a capitalisation contract.

Living and responsive savings

• The contract is invested in investment funds linked to stock market evolution.

• The policyholder, under your qualified advice, may, at any time, carry out arbitrage (switch) on the contract in order to modify the structure of his investment. Arbitrage under the contract is also processed on a D+1 (*) basis and instructions may be issued at any time. Your client's investment, therefore is fully evolutionary and responsive. In addition, your client may instruct the company to accept arbitrage or redemption orders by fax which also ensures greater responsiveness of the contract.

Useful savings

The contract can be used as security when applying for a loan (***).

Privileged access to the best funds

• The purchase or sale of these shares is carried out under preferential conditions such as agreed between institutional investors from the finance sector and such as those negotiated by ourselves. Access to funds therefore operates at no or minimum cost to your client.

• Access to funds without the constraint of minimum investments as imposed by fund managers (****).

(*) Provided that the company is in possession of all elements necessary for acceptance of the operation as specified in the general terms and conditions. In the case of funds not quoted daily, the investment is carried out on the basis of the next available quotation.

(**) As a general rule, from EUR 15 000 upwards in the case of the initial deposit. EUR 1 500 in the case of additional deposits and EUR 1 500 in the case of the minimum redemption amount. Please note, these minimum amounts differ depending on the type of contract entered into.

(***) Subject to acceptance of the file by the company.

(****) Some contracts may stipulate a minimum investment amount per fund. These minimum amounts are less than or equal to those that would be required in the framework of a direct purchase of investment fund shares.