Pia Villar's Blog

A life insurance is a must have today.  But because of the many options, choosing sometimes becomes a daunting task.  Personally, I prefer life insurance and do comparatif assurance vie .

A life insurance is a contract made between the policy holder and the insurer.  In the said contract, the policy owner has agreed to pay an agreed amount in exchange to the promise of the insurer to give the beneficiaries of the policy holder a lump sum of money in the event that the policy holder dies.  There are two types of life insurance.  In France, it is called assurance vie and assurance obsèques which translates life insurance and death insurance respectively.  Under the life insurance are the life insurance for savings and life insurance for inheritance.  In the life insurance for inheritance, beneficiary will receive payment of whole premiums of the insurer and holder’s policy.  In the life insurance for savings, the insurer will provide money to the family of the insured person upon his death.  This has 3 advantages including a favorable tax treatment, rights in making withdrawal during the policy life, and a return that is usually higher than that of banks’ scheme.  Withdrawal here also refers if you want to make loans depending on the calculation of real loan that you want or the pret immobilier.