Description
In partnership with Drive Innovation Insights Life insurance is a savings product but above all it is a legal and tax envelope that must be well understood in order to evaluate all the legal and tax consequences in order to best advise a subscriber. This training aims to provide a complete overview of life insurance in all its aspects: technical, legal and tax. It provides you with the necessary skills to advise this product in complete security in the best interests of the subscriber. The introduction of the PFU has once again brought changes to the taxation of life insurance which must now be mastered in order to optimize the tax management of life insurance contracts.
Who is this training for ?
For whom ?Asset management advisor, individual or professional account manager or any other person wishing to master life insurance contracts.
Prerequisites
Training objectives
Training program
- Master the principles of a life insurance contract The legal environment of the life insurance contract: the stipulation for others; the participants in the contract: subscriber, insured, insurer and beneficiary.
- - The technical bases of life insurance: single and periodic premium; advance, redemption, reduction and termination; mathematical provisions, technical rate and profit sharing.
- - Subscribing to the contract : the duty of information and advice; the consent of the insured and the right to waive.
- - The beneficiary clause: drafting, acceptance and dismemberment.
- Identify the different types of contract
- - The different types of contract: universal life; multi-support and ring-fenced assets.
- - Recent contracts: whole life, investment profiles, asset allocation, euro-growth , vie-generation.
- - Life insurance compared to other solutions: PEA, PEP, PERP.
- Delineate the impact on matrimonial regimes and inheritances Joint or individual subscription.
- - Exit of the contract in the event of divorce.
- - Life and inheritance insurance.
- Mastering contract taxation
- - The tax regime for life benefits: taxation of redemptions: according to the date of payment and withdrawal; according to the amount of outstanding funds; tax regimes for annuities.
- - The taxation of inheritances.
- Remote activities
- - To appropriate the contributions of an expert on a theoretical or practical point: two
- - expert 'Carry out an allocation of a portfolio of financial assets' and 'Discover the principles of structured management'.
