Description

This training day will allow you to master the legal and tax framework of life insurance, to know the evolution of products and the market and to understand the advice and information obligations.

Who is this training for ?

For whom ?

Asset managers, banking advisors.

Prerequisites

Training objectives

Understand the life insurance market

Master the legal and fiscal framework of life insurance

Know the development of products and the market

Be aware of the obligation to provide advice and information

Training program

• Understanding the life insurance market
  • - The figures and key players.
  • - The dynamics of the market in the face of the crisis.
  • - The evolution of guaranteed rates: why the return rates of the euro fund vary? Distribution of outstanding euros/UC.
  • - Practical work Study of the press kit.
• Know the parties to the life insurance contract
  • - The subscriber: quality, capacity and right.
  • - The need for consent in insurance in the event of death.
  • - The case of minors under 12 years old and incapable adults.
  • - The case of minors over 12 years old and other incapable adults.
  • - General information on the beneficiary: status, designation, legal framework, acceptance , waiver, revocation.
  • - The rights of the beneficiary: facing the heirs and creditors of the subscriber, the marital community.
  • - Practical work Interactive exchanges on the different situations seen .
• Understand complex underwriting cases
  • - Subscriptions by incapable persons: minors, adults under legal protection, under curatorship, under guardianship.
  • - Co-membership.
  • - The dismembered beneficiary clause: notion of bare ownership and usufruct.
  • - Practical work Interactive discussions on the different cases of subscription.
• Know the tax framework for life insurance
  • - Taxation in the event of life: taxable share, deductions (flat rate, social contributions), tax duration.
  • - Taxation of premiums: paid before or after age 70.
  • - The taxation of products: the distribution of interest/capital in redemptions, payments before and after 26/09/97.
  • - The taxation of life annuities for consideration.
  • - The taxation of life insurance within the framework of the wealth tax.
  • - Taxation in the event of death: rate of levy on death capital, limit of application of the rate of 20%.
  • - Case study What advice for my clients or my contract?
• Study a framework close to life insurance, the capitalization contract

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