Increasing your assets

Life insurance is an investment which combines the following in a long term investment approach:

• various financial vehicles
• a specific legal framework
• an advantageous tax framework

Life insurance is the only vehicle for investment today which enables you to combine financial and patrimonial objectives at one and the same time. Life insurance has evolved over the course of the last 15 years to open up to investment funds and therefore the stock markets. Similarly, its legal framework is a simple and legal means of ensuring the transfer of constituted assets on good terms and sometimes with the benefit of advantageous fiscal measures.

Life insurance today therefore constitutes an attractive investment product which is entirely compatible with a safe asset transfer tool.

Specifically, through your contract, you invest your savings in one or more investment funds (chiefly collective investment fund, i.e. unit trust, or investment trust) in order to make this money yield a profit.

• The contract may invest simultaneously in several investment funds hence the description "unit-linked policy".
• Your capital may be partly or entirely invested in investment funds that are directly linked to the stock market.

• The shares of each of the funds chosen are then registered under the contract. These shares are taken into account under the contract in the form of units of account, each unit corresponding to one share held. The value of the unit of account varies in accordance with the value of the corresponding value of the share of the fund. The insurance company carries out the valorisation of the savings of the contract on the basis of the number of units of account held and their value.
• It is also possible, through a Euresa-life contract, to invest in guaranteed rate monetary products. Your savings then increase in value in accordance with the rate agreed by the monetary product you invest in.