Several life situations lead us one day or another to think about protecting ourselves or rather to protect a member of our family and/or a third person. Whether it is our spouse, our children, a member of our family or even a professional partner, it is possible to subscribe to life insurance with the beneficiary (s) of your choice.
It is important to protect ourselves against the risk of death and to start early while we are healthy. Medical questionnaires from various companies can be an obstacle to the finalization of such a contract.
Capital in the event of death
Whether it is a constant or decreasing death benefit (to cover a commercial credit for example), this solution allows the beneficiary to quickly obtain an amount allowing him to meet direct needs.
In fact, the payment is made out of succession and there is therefore no need to wait for the end of the succession to receive the capital. However, beware of the slight tax that will occur following the receipt of the amount.
Pensions in the event of death
Less tax-efficient because they are taxed as income, this type of annuities allows for a regular income in order to maintain an acceptable standard of living for the survivor. Particularly suitable for anyone with significant financial commitments, these regular amounts insure and reassure survivors facing heavy burdens. These annuities are also paid promptly to the beneficiary indicated on the policy.
Life insurance for life
An innovative solution, its name perfectly summarizes the power of this solution that covers you all your life.
Be careful, because this solution will enter into succession unlike the solutions described above. It is necessary to call on a specialist to assess the fiscal impact. Generally quite expensive, this solution becomes very advantageous over time. Take the time to discover this solution and adopt it. It is essential to anticipate risks in 2020!
