If you want to protect your loved ones in the event of death and at the same time set up a personalised savings plan, easyLIFE Mixed allows you to achieve both at once!
In the event of death, your loved ones’ standard of living is guaranteed thanks to the capital you have decided to guarantee them.
If you live to the end of the contract, you can freely dispose of your savings, tax-free.
You are free to decide who will receive the amount of your easyLIFE Mixed insurance. You can change the beneficiaries of your contract as many times as you like, free of charge.
In the event of death, your beneficiaries have immediate access to the amount you have defined, without waiting for the end of the estate.
Tax deduction and exemption
Your premiums are tax deductible (according to Article 111 of the law on income tax), if your contract lasts at least 10 years.
Depending on your income, you can save up to 45 % of it. In the event of death, your direct beneficiaries do not pay any tax on the amount you have reserved for them. The savings capital is also tax-free.
The Security formula – for guaranteed savings
Do you prefer security and want the amount you’ve saved to be guaranteed no matter what happens? Opt for the Security formula that offers you a minimum interest rate on your savings set by the insurance supervisory authority (the Commissariat aux Assurances).
From the third year, an additional profit-sharing rate can be set annually depending on the company’s results and the evolution of interest rates on the financial markets.
Do you prefer higher returns on your savings, while accepting a certain level of risk for yourself?
Then opt for the performance package that allows you to take full advantage of the stock market performance of a selection of investment funds managed by Spuerkeess Asset Management, an investment advisory company set up by Spuerkeess and LALUX.
Depending on your investor return, you are recommended a combination of up to three funds that suit you best.
In the event of death, your beneficiaries are guaranteed to receive at least the sum of the premiums you have invested from the start of your contract, regardless of the results of your funds.
This means you can take your first steps on the stock market with complete peace of mind, by securing the amount left to your loved ones in the event of your death.
In the event of accidental death, the insured capital can be up to four times higher. And in the case of a traffic accident, the insured sum can be paid up to seven times.