What is life insurance?

Life insurance is an essential asset management tool, offering flexibility, tax benefits and asset diversification. It is a savings contract that enables investors to build up capital or receive additional income, while benefiting from advantageous tax treatment, especially after 8 years of ownership.

Life insurance, which can be considered an investment, combines aspects of savings, investment and provident provision. In fact, it is a versatile asset management tool.

It is a savings contract that allows you to build up capital or receive additional income. This contract offers great flexibility in terms of payments and withdrawals, while benefiting from an advantageous tax framework.

The funds invested in life insurance policies can be diversified, ranging from euro funds (capital-guaranteed) to units of account (invested in equities, bonds, real estate, private equity, etc.).

At Eurazeo, we make our investment solutions accessible through life insurance, to offer our customers comprehensive solutions tailored to their needs. Discover the key information you need to know about life insurance.

Attractive tax treatment

Life insurance offers attractive tax advantages, particularly after an 8-year holding period.

Gains generated by investments are taxed at a reduced rate, and partial or total surrenders benefit from tax allowances. This reduces capital gains tax.

What's more, life insurance is an effective tool for passing on wealth. Designated beneficiaries can receive the capital in the event of the policyholder's death, often with tax advantages.

Life insurance policies can be used to plan succession and protect loved ones in the event of death.

Diversification

Life insurance allows you to invest in a wide range of investment funds, offering optimal asset diversification.

Euro funds offer a capital guarantee and annual interest, making them particularly suitable for investors seeking security and stability.

Unit-linked products allow you to invest in a wide range of investment funds (equity, bond, real estate and alternative funds). Our unit-linked funds offer high-yield opportunities while providing optimal asset diversification.

Flexibility

Life insurance contracts offer great flexibility in terms of payments and withdrawals. Investors can make regular or one-off payments, and withdraw funds as needed.

Withdrawals can be made in the form of partial or total surrenders. This offers great flexibility in managing savings. Life insurance contracts can be tailored to investors' financial objectives. Whether to prepare for retirement (retirement savings plan), finance a real estate project, or pass on capital.

Contracts can be modified according to investors' needs and constraints, offering great adaptability.

Passing on assets

In the event of death, the designated beneficiaries receive the capital with significant tax advantages.

With a life insurance policy, you can diversify your assets by accessing several types of investment funds. At Eurazeo, we offer a wide range of funds to meet your specific needs, whether for security or yield.

Types of funds available:

• Euro funds: Guaranteeing capital, these funds invest mainly in bonds and generate stable annual interest. Ideal for cautious investors.
• Units of account (UA): These funds invest in a wide range of assets (equities, bonds, real estate, etc.). You can also access private equity, real estate or venture capital funds, which aim for high returns while presenting higher levels of risk. Although there is no capital guarantee, they offer higher return opportunities.

Eurazeo works with a number of partner insurers to offer its investment funds within life insurance policies. These insurers offer the possibility of investing in Eurazeo funds while benefiting from the tax advantages of life insurance.

Here are just some of the insurers we work with:

• AG2R La Mondiale
• Allianz
• Axa
• Cardif
• Cardif Lux
• CIC
• CNP
• Generali
• Generali Lux
• Groupama
• HSBC Assurance Vie
• Intencial
• La Baloise
• La Mondiale Europartner
• Natixis Life
• One Life
• SOGECAP ORADEA
• SPIRICA
• Suravanir
• Swiss life

Each of these insurers references some of our unit-linked funds, enabling you to choose a tailor-made investment strategy.

At Eurazeo, we offer a diversified range of investment funds suitable for life insurance contracts.

Our funds cover different asset classes and investment strategies, enabling our customers to benefit from our wealth management expertise while enjoying the tax advantages of life insurance.

Tax advantages

Life insurance is a wealth management tool suitable for a wide range of investors, from individuals to institutions.

Asset diversification

With Eurazeo, you can diversify your investments with a wide range of funds accessible via life insurance. Whether you're looking for security with a euro-denominated fund or high returns with unit-linked products, our solutions are tailored to your needs.

Flexibility

Life insurance gives you great freedom of management. You can adjust your payments and withdrawals according to your objectives, whether to prepare for retirement, finance a project or protect your loved ones.

Life insurance is a wealth management tool suitable for a wide range of investors, both individuals and institutions.

Here are the main categories of people and entities that can benefit from life insurance:

Individuals

• Wealthy individual investors wishing to diversify their portfolios with unlisted investments, particularly in private equity, can use life insurance to access these opportunities from €10,000.
• Cautious savers looking for security can opt for euro funds, which offer a capital guarantee and annual interest.
• Dynamic investors seeking high returns can opt for unit-linked products, investing in diversified investment funds. These units of account offer high-yield opportunities while providing optimal asset diversification.

Professionals and semi-professional investors

Those with investment experience who wish to access private equity funds usually reserved for institutional investors can use life insurance to diversify their investments.

Distribution partners

Wealth managers wishing to offer private equity solutions to their clients can use life insurance as a wealth management tool.

Life insurance enables these distribution partners to offer diversified investment solutions tailored to their clients' needs.

Families and estates

Wealthy families can use life insurance to optimize their estate planning. It offers tax advantages and protects heirs in the event of death.

It's an effective tool for passing on wealth. In the event of the policyholder's death, the capital is passed on to the designated beneficiaries, often with tax advantages.

At Eurazeo, we offer a diversified range of investment funds suitable for life insurance contracts.

Our funds cover different asset classes and investment strategies, enabling our customers to benefit from our wealth management expertise while enjoying the tax advantages of life insurance.

Examples of investment funds available through life insurance

Life insurance offers great flexibility in terms of investment diversification. Investors can choose from different types of funds, depending on their financial objectives and risk tolerance.

Euro funds

Euro funds are investment funds that offer a capital guarantee and annual interest. They are particularly suited to investors seeking security and stability.

Euro funds invest primarily in high-quality government and corporate bonds. This enables them to guarantee the capital invested and generate regular interest.

These funds are ideal for investors who wish to minimize risk while enjoying stable returns.

Units of account

Units of account allow investors to invest in diversified investment funds, such as equity, bond, real estate and alternative funds.

Unlike euro funds, unit-linked products do not guarantee the capital invested. However, they do offer opportunities for high returns. Investors can choose from a wide range of funds according to their financial objectives and risk tolerance.

Unit-linked funds offer optimal asset diversification, reducing the risks associated with investing in a single type of asset.

Alternative funds

Alternative funds, such as private equity, venture capital and real estate funds, offer opportunities for high returns and risk diversification.

Private equity funds invest in unlisted companies, providing capital and management expertise to support their growth.

Venture capital funds, on the other hand, invest in start-ups and early-stage companies. They offer potentially high returns in exchange for higher risk.

Real estate funds invest in real estate, offering stable returns and protection against inflation.