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bnp paribas life insurance and retirement plan

BNP PARIBAS LIFE INSURANCE AND RETIREMENT PLAN

Life Insurance

Prepare for a secure retirement.

BNP Paribas Avenir Retraite

BNP Paribas Life Insurance and Retirement Plan is an insurance policy and retirement plan that gives you the benefit of capital or additional guaranteed income.

  • Prepare for your
  • retirement

In detail

Safety

GUARANTEED CAPITAL AT MATURITY DESIGNED FOR YOU

The invested capital(1) is guaranteed on the date chosen by you.

(1) The invested capital corresponds to the sums paid on the funds, minus the fees on deposits under the life insurance policy and possible redemptions.

Retirement

EURO-CROISSANCE FUNDS RETIREMENT PLANadapted to your planning

The Euro-croissance Funds Retirement Plan (Fonds Eurocroissance Assurance Retraite) allows you to make long-term investments over a term of 8 to 40 years.
Your BNP Paribas advisor will help you choose the amount and the maturity date of your investment based on your situation and your goals.

Life insurance performance

MANAGED BY BNP PARIBAS CARDIF OPTIMIZE YOUR SAVINGS

The managers of BNP Paribas Cardif aim to establish consistent long-term performance while remaining open to take advantage of opportunities on the market. In this way, they work to optimize the yield and guarantee your invested capital(1) over the chosen term.

(1) The invested capital corresponds to the sums paid into the funds, minus the fees on deposits under the life insurance policy and possible redemptions, not including tax and social security withholdings.

Flexibility

AVAILABLE SAVINGSAT YOUR OWN PACE

Your savings are available at any time. You can redeem(1) and transfer funds whenever you like. Before the chosen maturity date, your capital is not guaranteed and develops in parallel to the rise and fall of the financial markets. In the event that you redeem funds before maturity, you therefore are exposed to a capital loss risk.

(1) On condition that the beneficiary agrees in each event.

Further details

Please note

STRENGTHENED GUARANTEE
The goal of this option is to regularly revalue the amount of guaranteed capital on the chosen maturity day, all or part of the amount of the recognized capital gains on the euro-croissance funds.

Every 5 years from the date of the 1st payment into the Euro-croissance Funds Retirement Plan, the guaranteed capital on the maturity date can be revalued when certain conditions specified in the policy notice are fulfilled.

Detailed Features of

BNP PARIBAS LIFE INSURANCE AND RETIREMENT PLAN

Download the pdf

  • ELIGIBILITY
  • EURO-CROISSANCE FUNDS RETIREMENT PLAN
  • Taxation
  • Reduced taxation on life annuity, ANNUITY PAYMENT
  • STRENGTHENED GUARANTEE, ADDITIONAL COVERAGE IN THE EVENT OF DEATH, RETIREMENT DIAGNOSTIC TOOL
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Eligibility

The BNP Paribas Life Insurance and Retirement Plan policy is available with discretionary or automatic payments, starting with as little as €50.

FAQ ()

  • What is a multi-investment life insurance policy?
  • As soon as you sign up for a life insurance policy, you can choose from a wide range of investment instruments: French Euro funds and unit-linked investments. This policy allows you to diversify your savings with several investment instruments in accordance with your investment goals.
  • What does a French Euro fund mean in terms of life insurance?
  • It is an insurer-managed fund that offers safe management of 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.
  • What is a unit of account investment in a life insurance policy?
  • A unit of account investment is one of certain investment instruments used by our multi-investment life insurance policy. It can include shares in securities or real estate (mutual funds, UCITS, etc.) that create access to different financial markets.
  • How can I optimize my arbitrage options with a life insurance policy?
  • Arbitrage allows you to reallocate your life insurance investments.
    You can obtain information from our Savings specialists who will analyze the various options under your contract and adapt them to your goals.
  • Should I choose a capital annuity or a life annuity?
  • You may redeem all or part of your life insurance policy at any time. If you want additional income, you can ask that your capital be converted into a life annuity.
    Find out how our Savings specialists can help you define the best option for you.
  • Investing in life insurance: are my savings secure?
  • French Euro funds have a guaranteed capital at all times. The value of unit-linked investments fluctuates in relation to developments on the financial markets.
    However, please note that your choice is not final for you can change the investment allocation of your life insurance policy, diversify your risks and choose from various investment instruments.

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