SONAM CAPITAL SERENITY is a life insurance product which offers an innovative and diversified investment vehicle.
A unit of account is a medium financial investment expressed in units of mutual funds, shares or bonds.
DYNAMISM
Up to 10% of your contribution or payment, benefit from Units of Account by investing in a mutual fund with :
MONETARY OPTION
You can invest more than 30% of your payments in cash and receive a minimum guaranteed rate and a profit sharing granted by the insurer.
FLOOR GUARANTEE
With the death benefit, the amount of the capital paid to the beneficiaries or the beneficiaries can not be less than the accumulated payments made.
As a result, payments made to the mutual fund are guaranteed in the event of death.
FLEXIBILITY OF PAYMENT
There is no a fixed amout nor a determined period to deposit your money.
AVAILABILITY OF YOUR CAPITAL
Consolidated savings can be partially or totally available.
At the end of the contract, you could collect the entire capital or receive it on a regular basis.
A PROFITABLE TAX FRAMEWORK
Payments are deductible up to 10% of your income (article 55.3 of the French tax code).
Capital, at the end of the contract :
In case of death :
The capital transferred to the beneficiaries is not taxable.
A customer advisor will assist you to choose a solution tailored to your needs and investment objectives.