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bnp paribas multi investment life insurance

BNP Paribas Multi-Investment Life Insurance

Life Insurance

A multi-investment life insurance policy to prepare you and your loved ones for the future

BNP Paribas Multiplacements 2


BNP Paribas Multi-Investment Life Insurance allows you to build capital and diversify your savings.

  • Rate of return on Euro Funds
    2.19%(1)

(1) Annual rate of return, net of management fees, not including tax and social security withholdings while the rate is valid. 2015 return: 2.25% for 0.30% application fees / 2.15% for 0.50% application fees / 2.10% for 0.70% application fees. Past performance does not predict future performance.

In detail

Long-term savings

Financial investmentsGrow your capital

Life insurance is a financial investment that allows you to build savings over the long term.

Multi-investment life insurance

Euro funds and/or units of accountDiversify your savings

A line of investment vehicles, from the most secure (Euro Funds) to the most dynamic(2). View the investment funds offered.

(2) Units of account may potentially offer better long-term performance, but they also involve some risk of capital loss. Their value is not guaranteed, as it rises and falls in tandem with financial markets.

Payments

Flexible and/or fixedSave at your own rate

Save at your own rate with flexible and/or fixed payments tailored to your budget. The minimum initial payment is €50. The minimum amount for fixed payments (monthly, quarterly, semi-annually or annually) is €360 per year.

Taxation

Full or partial surrenderSpecial taxation

The tax rate on surrenders changes based on the duration of your enrollment. Only investment gains are taxed.

Tax advantages for your surrenders are maximized after eight years of enrollment.

Financial services

Arbitrage optionsCustomize your life insurance policy

Our financial services include free, conditional and automatic arbitrage services that adapt your policy's financial focus.

These services allow you to regularly and progressively invest in different policy investment vehicles according to your investor profile.

Life insurance and estate planning

A way to transfer your wealthTo your beneficiaries

Life insurance offers favorable taxation rates for passing on your wealth to your chosen beneficiary(ies).

Further details

Please note

An additional death benefit is both automatic and free: should financial markets fall, your loved ones will benefit from a financial guarantee on the inherited capital within the limits and according to the conditions set forth in your insurance policy's Notice.

Detailed features of

BNP Paribas Multi-Investment Life Insurance

Download the pdf

  • Eligibility, payments
  • Investment vehicles
  • Taxation
  • Reduced taxation on life annuities, annuity payment
  • Financial services
  • Beneficiaries in the event of death
  • Additional death benefit
  • Investment Coverage
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eligibility

You can open a BNP Paribas Multi-Investment Life Insurance policy starting with as little as €50, in the form of flexible or fixed payments.

Payments

The minimum initial payment is €50.

The amounts of your additional payments are flexible. The minimum total amount of fixed payments is €360 per year.

They can be made monthly, quarterly, semi-annually or annually.

FAQ ()

  • What is a multi-investment life insurance policy?
  • A multi-investment life insurance policy lets you allocate your savings among several investment vehicles: Euro Funds and investments in units of account. The advantage of this policy is that it diversifies your savings via several investment vehicles according to your investment goals.
  • What does a Euro Fund mean in terms of life insurance?
  • It is an insurer-managed fund that securely manages your life insurance investments and guarantees the invested capital at all times. The interest income you receive is definitively acquired and is added each year to your guaranteed capital. From then on, the interest itself gains interest (via a mechanism known as the ratchet effect).
    The invested capital is equal to the payments made into the Euro Fund, minus investment or arbitrage fees and any potential surrenders, excluding tax and social security withholdings.
  • What is an investment in units of account in a life insurance policy?
  • An investment in units of account indicates that the policy is a multi-investment life insurance policy. A unit of account corresponds to a share in a UCI or non-trading real estate investment company, stock or a bond, and gives you access to various financial markets.
    The value of units of account is not guaranteed. It rises and falls in tandem with financial market fluctuations, thereby exposing you to capital loss risks.
  • How can I optimize my arbitrage options with my life insurance policy?
  • Arbitrage allows you to reallocate your life insurance investments.

    Obtain more information from our Savings specialists, who will help you analyze the different options available in your policy that align with your situation and goals.
  • Should I choose a capital annuity or a life annuity?
  • You may partially or fully surrender your life insurance policy at any time, as long as your beneficiary agrees. If you would like additional income, you may request that your capital be converted into a life annuity, according to conditions set forth in the Notice.
    Your Net Épargne advisor can give you more information and can help you find the best choice available.
  • Invest in life insurance: are my savings secure?
  • Euro Funds guarantee your capital at all times.

    The invested capital is equal to the payments made into the Euro Fund, minus investment or arbitrage fees and any potential surrenders, excluding tax and social security withholdings.

    Investments in units of account rise and fall in tandem with financial market fluctuations, thereby exposing you to capital loss risks.

    You should, however, realize that your choice is not final because you can change the investment allocation of your life insurance policy, diversify your risks and choose from various investment vehicles.

In addition

BNP Paribas, limited company with a capital of €2,492,770,306 – Headquarters: 16 boulevard des Italiens, 75009 Paris. Registered with the Paris RCS (Trade and Companies Registry) as No. 662 042 449 – EU VAT identification No. FR76 662 042 449 – ORIAS No. 07 022 735.

Cardif Assurance Vie, limited company with a capital of €719,167,488 – registered with the Paris RCS (Trade and Companies Registry) as No. 732 028 154 – regulated by the French Insurance Code – Headquarters: 1 boulevard Haussmann, 75009 Paris – Offices: 8 rue du Port, 92728 Nanterre Cedex, France – Tel. 01 41 42 83 00