insurance
family life ad and d insurance

BNP PARIBAS FAMILY LIFE/AD&D INSURANCE

Personal insurance

Protection Épargne

BNP Paribas Family Life/AD&D Insurance covers you and your family in the event of death or Total and Irreversible Loss of Independence, no matter what the cause (accident or sickness).

  • Coverage from €30,000 to
  • €300,000

In detail

Benefits

A BENEFIT FOR EACH BENEFICIARYCHOOSE BETWEEN SEVERAL BENEFITS

You can choose the type of benefit that each beneficiary will receive in the event of your death and mix several types of benefits for the same beneficiary (capital, capital + educational annuity, capital + temporary annuity, etc.).(1)

(1) Within the limits of and according to the terms and conditions detailed in the Notice.

Modification

ADAPTABLE POLICYMODIFY YOUR POLICY AT ANY TIME

You can modify the benefit amount (possibly with medical approval) and/or beneficiary and type of compensation (capital or annuity) at any time.(1)

(1) Within the limits of and according to the terms and conditions detailed in the Notice.

Amount of coverage

immediate coveragein the event of accidental death

You are insured in the event of accidental death up to €15,000 while your policy is being set up, for a duration of 90 days maximum.(1)

(1) Within the limits of and according to the terms and conditions detailed in the Notice.

Options

PREPARE YOURSELF FOR THE UNEXPECTEDIMPROVE YOUR COVERAGE LEVEL

To prepare yourself for the unexpected, you can double your coverage level in the event of accident with the Double option.(1)

(1) Within the limits of and according to the terms and conditions detailed in the Notice.

Further details

Detailed characteristics of the

BNP PARIBAS FAMILY LIFE/AD&D INSURANCE

Download the pdf

  • ELIGIBILITY, COVERAGE, CAPITAL
  • 5 IMMEDIATE COVERAGE GUARANTEES
  • TAXATION IN THE EVENT OF DEATH
  • RATES
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ELIGIBILITY

Any person between 18 and 75 years of age who satisfies to the possible medical requirements and resides in France, Monaco or New Caledonia, can sign up for Family Life/AD&D Insurance.

COVERAGE

  • Designated beneficiaries will receive a capital payment from €30,000 to €300,000 in the event of death, or Total and Irreversible loss of Independence, no matter what the cause (accident or sickness).
  • Immediate coverage of €15,000 in the event of accidental death while your policy is being set up, for a duration of 90 days maximum.
  • In the event of death, benefits may be paid in the form of capital payment and/or an annuity (temporary annuity paid out over 5 years, life annuity or educational annuity). In the event of Total and Irreversible loss of Independence, benefits will directly be paid to the subscriber in the form of capital payment.
  • You can double your coverage level in the event of accident with the Double option.
  • Worldwide coverage applies.(1)
  • Guarantees expire on the anniversary date following the subscriber’s 70th birthday in the event of Total and Irreversible loss of Independence, or 80th birthday for death coverage. They also expire in the event of death of Total and Irreversible loss of Independence of the subscriber.

CAPITAL

Your BNP Paribas advisor will assess the amount of money you would need according to your family situation, assets and income with the help of the non-life and casualty insurance diagnostic tool. Then, your advisor can offer you a capital guarantee ranging from €30,000 to €300,000.

FAQ ()

  • I already have insurance through my employer.
  • The insurance policy through your employer ends when you leave the company (unemployment, retirement, etc.). Furthermore, the benefit amount paid by your employer will not necessarily be adapted to your needs. We invite you to use the non-life and casualty insurance diagnostic tool to review the coverage of your household.
  • Can I choose the type of benefit to be paid in the event of my death?
  • With BNP Paribas Family Life/AD&D Insurance, you determine the amount and type of benefits for each person you want to cover. You can choose between a capital payment and/or an annuity (temporary annuity paid out over 5 years, life annuity or educational annuity).
  • How are the benefit amounts calculated?
  • The benefits are calculated at the time of death according to the amount provided in the policy, the age of the beneficiary and in accordance with the rates and conditions in effect on the date of liquidation of the annuity.

In addition

Have a question?

Our advisors are here to assist you.


Contact us


For assistance or to make a claim/contest a charge, your advisor can be reached on their direct line (a standard rate call).

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