With cumulus protect, you can:
- Save using a life insurance policy
- Protect your loved ones in the event of your death
Advantages of the life insurance cumulus
- A flexible savings solution
- An attractive yield
- Simplicity: no medical formalities
- Security for your loved ones
- Tax deductible under article 111 of the law on income tax
A flexible savings solution
With cumulus protect, you can opt to invest a fixed sum once a year or to pay a regular monthly premium.
Attractive return
You will receive a guaranteed return on your savings thanks to the policy's guaranteed rate. In addition, you will enjoy an annual bonus in the form of profit-sharing.
The longer you save, the greater the return.
Simplicity : no medical formalities
In general, when taking out a life insurance policy, you are required to fulfil certain medical formalities (medical questionnaire or full medical examination). cumulus protect makes life a little easier as in the majority of cases no medical formalities need to be fulfilled for this policy.
Security for your loved ones
When taking out your policy, you can freely nominate a beneficiary in the event of death.
Should you die during the validity period of the policy, the beneficiary will receive a death benefit that is equal to the survival benefit.
However, if you die within five years of the policy taking effect, the death benefit shall be limited to the total amount of premiums paid.
Tax deductibility
Premium payments in respect of cumulus protect are tax deductible under article 111 of the law on income tax.
The lump sum payable when the policy matures is exempt from income tax.
All our savings and investment solutions at a glance
Contact your Foyer agent for advice on how to choose the savings solution best suited to your personal situation.
