multi investment future life insurance


Life Insurance

A policy to cater to your children’s future.

BNP Paribas Multiplacements Avenir

Multi-Investment Future Life Insurance is a flexible life insurance policy that allows you to build capital for your child or children and their future projects.

  • Rate of return on French Euro funds in 2015
  • 2.10%(1)

(1) 2015 return: 2.25% for 0.30% application fees / 2.15% for 0.50% application fees / 2.10% for 0.70% application fees. Past performances do not guarantee future results or returns.

In detail


Accessible and flexible Prepare your children's future

This life insurance policy adapts to all budgets and offers you a choice of ways to make payments (discretionary or fixed). It is specially designed to become the ideal gift resource for birthdays, Christmas, New Years, parties, etc.

A policy in your child's name

Save at your own paceControl the policy until your child is an adult

Your child is the holder (the policy is opened in your child's name) but you control the savings account until your child reaches 18 years of age.

Then your child can assume control of the policy.


Dedicated offersAdapt to each stage of your child's life

Two policies to insure your child's life:

  • The Découverte (discovery) package (0 to 25 years of age)
  • The Placement (investment) policy (from 26 years of age or, upon request of the account holder, after reaching 18 years of age), containing an enhanced financial product.

Further details

Please note

The earlier you sign up for a Multi-Investment Future Life Insurance policy for your child (you can sign up from your child's birth), the sooner they will benefit from the tax advantages of life insurance.

Detailed Features of

Multi-Investment Future Life Insurance

Download the pdf

  • Eligibility
  • Payments
  • Rates
  • Taxation
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Any private individual who is under 18 years of age can sign up for a Multi-Investment Future Life Insurance policy with the signature of their legal representatives, who must reside in a member state of the European Union and may not be a U.S. Citizen or hold a U.S. green card (including individuals with double nationality or those who were born in the USA).

You must also have a BNP Paribas checking account in the name of the child in order to transfer funds to the policy.

FAQ ()

  • What is life insurance?
  • Life insurance is a policy that allows you to accrue and grow capital over the long term. This policy has the advantage of flexibility that makes it compatible with different types of objectives.
  • Invest in life insurance: are my savings secure?
  • French Euro funds pay a guaranteed capital at all times.

    The invested capital equals the total amount of payments made into the French Euro funds, after deduction of investment and arbitrage fees and any redemptions, not including tax and social security withholdings.

    The value in units of account rises and falls in tandem with financial market fluctuations, and you are therefore exposed 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 instruments.

In addition

  • bnp-paribas-multiplacements-2-petiteLife InsuranceMULTI-INVESTMENT LIFE INSURANCEA policy to help you prepare your future.
  • Livret JeuneSavingsLivret JeuneA savings account net of taxes, reserved for youth between 12 and 25 years of age. This livret has a limit of €1,600; deposits may be made at your discretion.
  • PELSavingsHOME OWNERSHIP SAVINGSGuaranteed payments for the entire term of your contract into a savings account with a limit of up to €61,200.

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 €717,559,216 – 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