news
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5.11.12 | Crédit Agricole S.A. financial results (2012 first quarter )
Find all the Crédit Agricole S.A.'s financial results here. (+) -
7.29.11 | A new website for Crédit Agricole Life Greece
Crédit Agricole Life (CA Life), Crédit Agricole Assurances' Greek entity, launched its website... (+) -
6.6.11 | The Crédit Agricole Assurances Group at the top of L’Argus de l’assurance’s 2010 classification
The Crédit Agricole Assurances Group ranks at the top of L’Argus de l’assurance’s 2010... (+)
A worldwide presence
20% of the 2010 Crédit Agricole Assurances' premium income realised abroad
Enhance and protect your assets
Crédit Agricole Assurances offers a broad range of products to help you finance a project or protect your assets, as well as covering you against physical injury, disability and illness. Find out more about all the solutions that Predica, the life insurance subsidiary of the Crédit Agricole Assurances group, can offer you at each stage in your life.
Are you considering personal or professional projects that require financial resources? Do you want to protect your family and prepare for your children’s future? Predica will cover you at each stage of your life, giving you peace of mind.
ADVANTAGES
- Maintain your family’s standard of living
- Safeguard your family’s assets
Did you know?
- Only adults can take out a life insurance policy. However, parents can take out a policy in the name of their children under eighteen.
- Life insurance is also an attractive solution for company directors or members of a profession who wish to protect their personal assets.
- Life insurance is the investment vehicle of choice for French savers (source: FFSA 2009)
With life expectancy levels rising, making adequate provision for retirement has become a major concern for everyone. Predica can offer you solutions suitable for your requirements and your income so that you can enjoy a good standard of living when you retire
ADVANTAGES
- Supplement your income
- Pay less tax
Did you know?
- In France, a man of 60 in 2008 has a life expectancy of 22 years. For women this figure is 26.9 years.
- The replacement rate* is set to fall from 67% on average in 2009, to 35% in 2040 (*the replacement rate is the amount of the pension received as a percentage of the final salary when employed).
- If you are a non-agricultural self-employed person (travailleur non-salarié – TNS), you can benefit from the loi Madelin. This refers to pension supplements and personal protection cover built up through contributions deducted from taxable profits. To date, 61% of those eligible have taken out a Madelin pension plan (source: FFSA 2009).
While none of us like to think about passing away, planning ahead for funeral arrangements will give you and your loved ones peace of mind.
ADVANTAGES
- Free your loved ones from the emotional and financial stress as well as the practical aspects of arranging a funeral
- Guarantee respect for your personal wishes
Did you know?
- Previseo Obsèques, a subsidiary of Predica, provides those who have taken out funeral expenses cover with support for the duration of their policy and assists loved ones on the death of the subscriber.
- On average, funeral expenses come to €4,000.
Regardless of your family situation, by making the necessary arrangements for your funeral you will protect your loved ones from financial hardship. Predica will help you make the necessary arrangements today so that you do not need to worry about tomorrow.
ADVANTAGES
- Protect your loved ones’ future
- Ensure your family’s financial security
Did you know?
- Protecting loved ones is the primary concern for 80% of French people. However, only 21.5% have life insurance (source Ipsos).
To avoid adding financial hardship to the burden of disability, Predica offers products that ensure that you and your family can balance your day-to-day budget.
ADVANTAGES
- Ensure your financial independence so that you can remain in your own home as long as possible (62% of beneficiaries of the personal care allowance (Allocation personnalisée d’Autonomie – APA) live at home)
- Avoid becoming a financial burden for your children and loved ones
- Safeguard your assets
- Have access to services for daily help
Did you know?
-In 2008, 1.1 million people in France were dependent, up 3.8% on the previous year, which the statutory schemes are unable to deal with.
-Dependence constitutes a major cost for dependants and their loved ones: the estimated cost of a fully-dependent person is between €2,000 and €3,500 per month.
- The average amount of the personal care allowance paid by the government to dependent persons is €500.
- €112 million was paid out to dependent persons by insurance companies (Source: FFSA).
By taking out income guarantee insurance, you can receive compensation in the event of ill health or an accident.
ADVANTAGES
- You can alter the type of cover provided by your policy depending on the risks incurred and the number of employees, your age, your personal situation and your spouse’s professional situation.
- If your spouse works with you in the business, he or she can be added to the policy.
Did you know?
Support is available to help you and ensure the survival of your business.
Do you want to offer your employees an attractive salary package? Are you looking for tax-efficient solutions for your company? Top up your employees’ statutory pensions while reducing your tax burden.
ADVANTAGES
- You can alter the type of cover provided by your policy depending on the risks incurred and the number of employees, your age, your personal situation and your spouse’s professional situation
- A tool that will enhance staff motivation and loyalty
Did you know?
The collective supplementary pension scheme governed by Article 83 of the French General Tax Code (Code général des impôts) allows companies to help their employees build up additional income for their retirement. It is a collective policy, set up by the company, that determines which categories of employees are eligible. The collective policy is compulsory for these employees. Each employee has an individual account into which the employer’s contributions and his/her own contributions, deducted directly from his/her salary, are paid (usually a set percentage of salary).
The collective pension scheme governed by Article 39 of the French General Tax Code enables the company to finance a life annuity of a predetermined amount which will apply to each employee in the category/ies of eligible employees when they retire, provided that they still work for the company that set up the scheme. As of 1 January 2010, companies that have set up an Article 39-type pension scheme can no longer manage the scheme internally by way of provisioning, and must outsource its management.
For more information about:
- Crédit Agricole’s collective insurance policies : www.ca-retraitecollective.fr (+)
- LCL’s collective insurance policies : http://retraite-collective.lcl.fr (+)
Are you looking to boost the financing of your employees’ retirements while cutting your company’s tax burden? Retirement benefits are paid to employees when they retire. This payment obligation can be optimised financially and from a tax point of view.
ADVANTAGES
- Qualify for immediate and long-term tax benefits by setting up a collective insurance fund to finance part or all of your company’s retirement payments.
- Reduce your company’s liabilities (thereby boosting the value of your business if the company is sold).
Did you know?
Retirement benefits are compulsory, and form part of what are known as company liabilities. All companies must therefore book provisions for them.
For more information about:
> Crédit Agricole’s collective insurance policies : www.ca-retraitecollective.fr (+)
> LCL’s collective insurance policies : http://retraite-collective.lcl.fr (+)
Find out more
- Are you a Crédit Agricole customer? Click here (+)
- Are you an LCL customer? Click here (+)
