Life Insurance Vivaccio Rise: This contract allows youth to take off in life. The formula is simple: Capital is available at any time if necessary, and in case of death or serious blow, the capital is guaranteed.

Life Insurance Vivaccio Vitality: For those wishing to build and enhance their capital. This contract allows to diversify its capital with three different investment profiles. In case of death, the beneficiary is assured of receiving the total amount of dues. In case of blow, it offers the possibility of the partial or complete capital is guaranteed.

Vivaccio Income Life Insurance: Designed for the great moments of life, the contract is made for those who want a capital in the form of regular income. For the portion invested in euros, the guarantee is total.

Life Insurance Vivaccio Harmony: To think of those you love, this life insurance policy is dedicated to those who want to enhance capital in order to transmit it to their relatives in the best conditions. Vivaccio Harmony offers a special taxation for life insurance. In case of death, the beneficiary is assured of obtaining at least the total amount of payments and contributions. It also allows an increase of 20% capital provided to beneficiaries while reducing his annual salary (option contract).

The life insurance policy is evolving Vivaccio: no need to change the contract as it evolves over the years and each project while maintaining the prior fiscal.

The contract Vivaccio Life Insurance is offered by La Banque Postale and guarantees a rate of 4.25% gross (excluding social charges) for the year 2007 but only on the funds invested in euros.

The capital of a life insurance contract in euros is guaranteed and the interest generated each year by the capital are acquired. But be careful, however, admission fees and management vary across insurance companies. Take care also in case of bankruptcy of the insurance company. In this case, a guarantee fund shall indemnify each insured up to 70000euros.

You can withdraw your money whenever you want, outside of the cancellation period of 30 days, and without waiting for 8 years and if we respect the term of the contract about the total or partial redemptions.

The contract of life insurance euro is based on a guaranteed minimum annual rate plus a share of profits earned by the insurance company. Less than 4% in 2006, specialists in insurance and finance provide a guaranteed minimum interest rate around 3.5% in 2007.

Regarding the taxation of life insurance contracts in euros, only the interest of the money withdrawn from savings are taxed. You can choose to incorporate these interests in your income and you will be taxed according to the scale of your tax bracket.

For life insurance contracts in euros, payroll taxes are still 11%. But they cover only the interest generated by the contract on December 31 and every year.

Finally, in case of death of the insured or the beneficiaries of life insurance contract signed in euro since October 13, 1998 will enjoy an allowance of 152,000 euros, including all contracts. Above this amount the tax is 20%. And for transactions made after the 70th birthday of the insured, an allowance of 30,500 euros is applicable on payments, including all contracts. Interest is then exempt from tax and the surcharge is subject to inheritance classic.

The life insurance contract cross-channel saves by regular payments and scheduled early in the contract. It can also make occasional or regular withdrawals, the aim being to keep the contract for several years. This will depreciate the cost of entry and will levy no tax. Note that the number of contracts is not limited.

To increase its efficiency and performance, the life insurance contract is enhanced cross-channel operations such unit trusts, mutual funds or shares of real estate investment companies. As life insurance euro capital transmitted by the death of the insured are not subject to inheritance tax.

Only the capital of the section on life insurance in euros is guaranteed. In case of bankruptcy of the insurance company, a guarantee fund covers each insured up to EUR 70000. The other part, on the money invested in other financial media is not guaranteed. It is possible to transform his life insurance policy in euro cross-channel into a contract with the same insurer provided to transfer at least 20% of capital in one or more investment funds.

You can withdraw your money whenever you want, outside of the cancellation period of 30 days, and without waiting for 8 years and if we respect the term of the contract about the total or partial redemptions.

Unlike the life insurance contract in euros, the life insurance policy allows for cross-channel performance much more interesting. 13% in 2005, the performance varies with the Exchange.

Regarding the taxation of life insurance contracts in euros, only the interest of the money withdrawn from savings are taxed. You can choose to incorporate these interests in your income and you will be taxed according to the scale of your tax bracket.

For life insurance contracts in euros, payroll taxes are still 11%. But they cover only the interest generated by the contract on December 31 and every year.

Finally, in case of death of the insured or the beneficiaries of life insurance contract signed in euro since October 13, 1998 will enjoy an allowance of 152,000 euros, including all contracts. Above this amount the tax is 20%. And for transactions made after the 70th birthday of the insured, an allowance of 30,500 euros is applicable on payments, including all contracts. Interest is then exempt from tax and the surcharge is subject to inheritance classic.

In case of accident, the driver’s responsibility keen interest the insurance company with which you signed a contract. If the driver is not responsible for the accident, he will be compensated as other victims. By cons, in case of fault, the insurer may exclude any compensation for his injury. This obviously varies depending on the degree of responsibility. If the driver died in the accident, his family will lose all or part of compensation.

The consequences of a traffic accident are still terrible emotional side, but can become a catastrophic financial aspect. The hospital expenses, medical expenses, let alone any loss of salary or employment. And in case of death of a member of the family, the living standards of other family members may deteriorate to an unacceptable manner.

So often optional, insurance companies offer in recent years a “security driver” which provides compensation for certain elements such as permanent disability or temporary work or reimbursement of medical expenses and hospitalization remained in charge of the insured. Some insurance companies even provide to ensure all drivers of the vehicle provided that they may be allowed.

Check with your insurance company and do not neglect this essential aspect of the insurance driver. The security damage the driver, often incidental, is unfortunately necessary because accidents do not only to others.

A hint of optimism still: the traffic accidents were down by 3% in 2006 and insurance companies offer rate reductions for 2007.

So the time to enjoy the Insurance Guarantee Driver.