FAQ insurance life Afer: 6. How to carry out a withdrawal of my saving?


Several possibilities are proposed to you in order to correspond as well as possible to your needs for saving or incomes, which they are temporary or final.


1. WITHDRAWALS FREE OR PARTIAL REPURCHASE:

The partial repurchase is a final withdrawal of part of the saving available.

It is the most flexible formula; it enables you to leave the saving on your contract, as a long time as you wish it (all your life lasting), and to continue to profit thus from the quality of our financial management.

You can, with your liking, to carry out other payments or to proceed, according to your needs, with specific withdrawals in the form of partial repurchases.

You freely fix the amount of it by respecting a minimum of 400 €uros at each withdrawal, and while maintaining in the funds of guaranteed at least 800 €uros of saving.

The sums withdrawn in the form of partial repurchase cease being remunerated by the first day of the fortnight during which the withdrawal is carried out.

A partial repurchase can involve an imposition of the interests, according to the mode defined by the tax provisions into force.

For more information concerning the taxation applicable in the event of repurchase partial outward journey to Imposition of the repurchases.


Total or final repurchase

At the date of your choice, you can close your adhesion and ask us for the payment of the entirety of the saving available.
It is an instrument of specific and exceptional financing which has vocation to be refunded in one or more time, without expenses.

The advance enables you to face a temporary need for funds. The maximum advance on your adhesion is 80% of the saving managed on your adhesion, except interests of the current year.

Refundings of advances
Any payment carried out, whereas the possible advances were not completely refunded, will be affected with the refunding of these advances.


3. REVENUE VIAGERE:

If you choose this formula, you lose the free provision of your capital, but we assure you the service of a revenue until your death, and possibly if you chose the reversion of your revenue, until the death of a second nobody of your choice (generally the spouse surviving).
The choice of the reversion is done at the time of the startup of the revenue. This choice is irreversible.

The amount of the revenue (been useful every month) is related to your age in the year of startup and, if necessary, of the age of the Co-shareholder and the selected rate of reversion (60% or 100%).

This revenue is revalorized, each year, according to the financial results obtained in the Funds Guaranteed.


4. WE ADVISE YOU:

To choose between partial repurchase or advances

The advance is preferable with the partial repurchase if the operation presents a provisional character.
The partial repurchase is preferable if you consider that this withdrawal is final, and that you do not intend to carry out new payments. Indeed, if after a partial repurchase you carry out a new payment, this one will support expenses of payments, which is not the case of refundings of advances.

To choose between free withdrawals and the life annuity.

We advise you the formula of the free withdrawals which, by its flexibility even, makes it possible to face practically all the situations, by preserving a perfect freedom.

The life annuity will be chosen by those which need to be able to count on a regular income, particularly making safe, to face, for example, with regular loads, and for which the transmission of a capital to recipients is not a priority.