If life on death or mixed retirement savings is a financial product that allows to invest over the long term.
What are the differences between each contract savings, and in what cases might be interesting to subscribe?
Altogether there are three types of retirement savings contracts: the contract foresight or pure death, the contract savings or "in case of life" and the mixed contract, which also works well in case of life that death. The retirement savings accumulated in this case the attributes of contracts and pension savings contracts.
Formed by regular withdrawals from the account of the subscriber and / or the payment of capital at the beginning of the contract, savings retirement pension is intended for use only in case of death of the policyholder. It ensures a minimum income to his family, or more easily transmitted part of his heritage. The retirement pension savings are then reflected in the payment of a sum close to the subscriber, at once or in installments under the agreement established by the account holder.
retirement savings if life is also intended to be repaid later, but this time only if the account holder is still alive. At the time of making the contract, a date is scheduled in advance for early payments. It is generally calculated to fall upon the retirement of the subscriber, but it is a use and not an obligation. In case of death, the retirement savings will not benefit the relatives of the account holder, unless the last-has been enriched by a cons-insurance.
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