To compare an insurance with another, is not easy matter to achieve, we understood well.     

We thus propose to you free on thanks to the bond below of compare the tariffs of the insurers for your life Insurance , In order to choose adapted d´après best the questionnaire than you will have beforehand filled, reassure c´est very simple and rapid in less than 10 minutes you have the answer adapted to your profile:      

You will realize that the Afer contract is a matter reference life Insurance , the reason is simple for each person, a Afer contract can be adapted, according to the taking risk which you wish to take, the Monosupport contract for the careful people, the Multisupport contract makes it possible to choose the level of risk while having an ideal efficiency. 

Fair with the questions and information relating to AFER:

1. Expenses among low
2. Choices of investment
3. Duration of adhesion 
4. How to carry out a payment? 
5. What does it occur in the event of death?
6. How to have its saving?

Advantages AFER:    

- One of the best contracts of life insurance 
- Adapt your investment to your objectives 
- A perfect transparency of management 
- A saving available to your suitability 
- Free Transmission of your capital 
- Expenses among low of the market 
- An advantageous taxation

Benefit from the one of the best contracts of insurance life, voted by plebiscite each year, since its creation.

Each beginning of year, the specialized press is made the echo of the yields of the contracts of insurance life. And, each year, contract AFER is classified with the whole first ranks, with in particular the GUARANTEED rate of remuneration of its FUNDS.

Adapt your investment to your objectives.


The Multisupport contracts with Free Withdrawals makes it possible to you to direct your investment according to your age, your inheritance or your degree: of sensitivity to the risk.

Safety and performances.   

The Funds of guaranteed in Euros, primarily invested in obligations, brings to you profitability and safety thanks to its guaranteed minimum and its effect of pawl.  SICAV AFER SFER for diversification and CPF AFER EuroSFER for an offensive management, are both leaned at the stock market. Their value thus reflects, with the rise as with the fall, the variations of the stock exchange markets. N the other hand of a taking risk, these two shutters bring the performance to you on the long term and are addressed to the members over the duration.     

Flexibility and adaptation: your objectives evolve/move with time, reorientate your investment.

The choice of the investment which you make is obviously not final, you can adapt it progressively evolution of your projects and your personal situation.    It is thus, for example, which after having put the accent on the performance with the shutters AFER SFER and EuroSFER, you will be able to choose, with the approach of the retirement, to make safe all or part of your saving by transferring it in the Funds from guaranteed.

This range of supports which goes from the “bond whole” to the “whole actions” will adapt perfectly to your objectives with each stage of your life.


Profit from a perfect transparency of management.

The transparency of the management of the funds, like that of the costs of operation, are essential conditions of confidence. Each year, the entirety of the accounts of the AFER and GIE AFER is published and addressed in each member. Operating expenses and their use are clearly indicated.

Have your saving with your suitability.

With the Afer contract, you pay what you want, when you want it. and you withdraw that which you need, when you need some, without any penalty for Withdrawal. You thus have a total freedom. 
You can, constantly, definitively withdraw all or part of your saving. We only recommend to you not to carry out withdrawal of an amount lower than 400 euros. 
If your need for liquidities is temporary, you can ask for a refundable advance. This advance, comparable to a loan, of a minimum amount of 800 Euros, can represent up to 80% of your saving.


Organize, transmit, the capital in the event of death, with the people of your choice.


In the event of death, the recipients designated on your bulletin of adhesion (joint, children… or any other person of your choice) can, either to recover the capital made up, or to transfer it without expenses on Afer contracts open to their name. we recommend to you, to this end, systematically to open an adhesion with your designated recipients. If you take this precaution, advantageous on the tax level, the recipient will be able to recover the saving on an account having a certain seniority.

Be given expenses limited, among low of the market.

These expenses considered as being among low of the market, make it possible to carry out by maintaining them on a high level quality, the best services in the interest even of the members. In spite of their reasonableness these resources ensure, moreover, one reasonable profitability at the insurance companies which bring their guarantee.

They concern:   

Diffusion of the contract

3% are taken with each payment. They are reduced to 1% when the member, holder of several Afer contracts, carries out a repurchase partial or total follow-up of a transfer on another of his contracts and free when with the death of the member, the recipients reinvest whole or part of the death benefits on a contract open to their name.

0,475% of overheads for one year supplement are taken prorata temporis on the managed saving (advances included/understood). 
0,2% of expenses of arbitration are taken, when part of the saving is transferred by arbitration, from one shutter to another. (Funds of guaranteed in Euros, shutters SFER and EuroSFER)   

Financial management.

These expenses differ according to the type of shutter from selected investment: Melt of guaranteed in Euros, shutters SFER and EuroSFER

Benefit from the advantageous taxation of the insurance life.

The taxation of the insurance life is advantageous in more than one way:


Taxation in the event of death:

Exemption in the majority of the cases.

Premiums poured before 70 years:

For the saving consisted the payments carried out before 70 years, the exemption is acquired with height 152.500 euros for each recipient (all confused contracts).Thanks to this raised frankness, the total exemption of taxation will be obtained in the very large majority of the cases. Beyond 152.500 euros per recipient, a contractual imposition at the rate of 20% is applied, whatever the degree of relationship between the policy-holder and the recipient.

Premiums poured after 70 years:   

With regard to the saving consisted payments carried out after 70 years, the exemption remains the rule within the limit of a total frankness from 30.500 euros payments (all confused contracts), to which are added the capitalized interests that that is their rising.   

The Multisupport contract with payment and Free Withdrawal AFER enables you To transmit your saving in the event of death in the majority of the cases in exemption.

That they are contributions poured before or after 70 years the recipients are indicated freely.


A limited imposition of the interests capitalized after 8 years.

The finality first of the life insurance is to constitute a long-term saving. This is why the imposition of the withdrawals becomes lighter with time.  
In the event of repurchase during the first 8 years, the member with the choice between the rehabilitation of the interests in the assessed income or the application of a levy at source of 35% if the withdrawal intervenes during the first 4 years, and of 15% if this withdrawal intervenes during 4 years following.


In the event of partial repurchase, only the share of interests corresponding to the fraction of withdrawn capital is taxable, which limits the impact of taxation considerably.   

After 8 years, the tax levy is not any more that 7,5% of the amount of the interests of the withdrawn sum, this imposition is effective only beyond one annual frankness from interest of 9.200 euros for a couple and 4.600 euros for a single person.    

Consequently the very great majority of the withdrawals is not taxable beyond the eighth year.    

In the particular framework of a contract “DSK” or a PEP, the interests are completely exonerated after 8 years of capitalization.

Social taking away only perceived at the time of the repurchases.

Your Afer contract  is a  Multisupport contract .  For this reason, the CSG, the CRDS and the social taking away  are taken only in the event of repurchase and not each year. They are not due in the event of death.