FAQ life insurance Afer:

1. Expenses 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. These expenses are reduced to 1% when the member, holder of several contracts AFER, 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.


- Administrative management:   

0,475% of overheads for one year complete, 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 Guaranteed, DYNAFER, AFER-SFER, PLANISFER, AFER-EUROSFER)


- Financial management:   

These expenses differ according to the type of shutter from selected investment: Funds Guaranteed, DYNAFER, AFER-SFER, PLANISFER, AFER-EUROSFER: to see information record of the shutter Placement.