Life insurance, a support to prepare for the future of your children

This year again, the baccalaureate exam and the wait for the results are of concern to some 500,000 high school students… but also their parents! Beyond the success of their offspring, many of them will look for a good way to congratulate them. Most often, we think of a material gift. But don’t neglect savings.

By placing a sum on the life insurance opened for your child, you grant him a present of use which escapes the rights of donation, subject to not exceeding 2.5% of your annual income. Above all, you send him more than the amount spent, because this money will work over time and help him finance a future project: purchase of housing (personal contribution) or a car, expatriation, additional studies after a first cycle in higher…

All without a ceiling, unlike the Livret A. And with advantageous taxation when making withdrawals, in particular for contracts over 8 years old which benefit from a tax allowance (€4,600 for a single person, 9 200 € for a couple). Other asset

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