When we hear the term "life insurance", we often think of protection against death or insurance designed to pay out a sum of money after a person's death. However, in France, life insurance has a very different meaning. This is precisely what we are going to explore in this article.

The concept of life insurance in France

In France, life insurance is not directly linked to a person's life or death. It is in fact a savings contract between a policyholder and an insurance company. This contract allows the policyholder to put money into different types of investments, ranging from euro funds, which are considered less risky, to unit-linked funds, which carry a certain level of risk.

Why take out life insurance?

There are several reasons why the French opt for life insurance:

  1. Savings: It's a great way to save money in the long term.
  2. Transmission: It offers an advantageous solution for passing on your assets.
  3. Taxation: Life insurance benefits from an attractive tax framework, especially if it is held for a long period.

The flexibility of life insurance

What makes life assurance particularly attractive in France is its flexibility. Policyholders can choose from a multitude of investment options and decide the length of their commitment. What's more, they can make partial withdrawals or even surrender the policy completely if necessary.

Life insurance and "de Ravel Finance

If you're interested in life insurance in France, de Ravel Finance is here to help. Our company offers advice and support services to guide you through the various options and ensure that you make the best choice for your financial situation.