The versatility of life insurance Life insurance is a versatile

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icon date March 7, 2024 icon read 4min to read facebook twitter linkedin Why invest through life insurance? The versatility of life insurance The euro fund and the units of account in life insurance Life insurance taxation Optimizing your estate with life insurance Life insurance is the preferred financial instrument of the French with almost 2,000 billion euros in outstanding amounts. Life insurance is a versatile envelope since it allows you to invest in the euro fund (guaranteed capital, but low return) and in account units (non-guaranteed capital). In the event of redemption (withdrawal), the taxation of life insurance can be very advantageous.



It is also the ideal tool to optimize germany phone number list your estate. envelope that allows you to build your wealth allocation (distribution of your assets) by investing in the 3 asset classes (euro funds, real estate funds and equity funds). For example, you can invest X% in euro funds, Y% in real estate funds and Z% in equity funds. To do this, you must choose your life insurance investments based on your situation and your objectives . You have three criteria for choosing your investments: return, risk and liquidity.



You cannot satisfy these 3 criteria at the same time. The euro fund and the units of account in life insurance In life insurance, you can invest in the euro fund for the short term and/or to build your precautionary savings (6 to 12 months of income), and in the account units in order to obtain a better return for the long term (equity funds and real estate funds). In the event of redemption, the liquidity is good (72 hours). And this, whatever the investment. Since it is the insurer who ensures the liquidity.