OUR SERVICES

What makes us unique

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COVERING YOU GLOBALLY

Individual & Families

Health

Regardless of your nationality and country of residence, you need solutions that allow you to fully recover your healthcare costs.

Living in France, your needs keep increasing while the social system does not always provide you with the appropriate solutions.

We offer you complementary health care insurances that can refund 100% of your expenses at competitive rates.

French nationals residing abroad: you need to maintain a high level of reimbursement in countries where costs of medical procedures are not the same.

We propose complementary solutions to the Social Security for French Nationals living abroad (CFE) which adapt to these differences.

Whatever your nationality and country of residence, if you do not contribute to a social system, we offer you complete solutions, to the first euro/dollar, thus giving you a total reimbursement of your healthcare costs.

Contingency

No one is exempt from an accident, sickness, resulting in a work stoppage or dependency.

These incidents can result in loss of income.

Our solutions allow you to deal with the loss of income that can result from these risks, whether they are:

Temporary (accident or illness followed by cure)
Permanent (confirmed dependency, accident, or illness followed by permanent, partial, or total disability)
Or death

Loan Insurance

If you are granted a loan, you need to insure it.

In partnership with most insurers in the market, we study the best options for covering your bank loan. We offer a tailor-made solution adapted to your needs, generally in less than 24 hours.

We then arrange insurance documentation to cover the required bank guarantees as required by your bank.

Travelling?

Whether you are on holidays or on a long stay abroad, you need to insure your trip with adapted solutions. If your children are students, they might go to study or simply do an internship abroad.

We have adapted solutions to protect you during your trip:

Cancellation
Medical insurance
Repatriation
Civil Liability abroad
Loss of your luggage

Whatever the country of destination, we offer contracts adapted to the duration and type of your stay, renewable, with specific guarantees to children and youths.

Family Protection

In the event of a death, your beneficiaries will need to receive a capital to enable them to cope with the loss of your incomes.

The general rule is to guarantee a lump sum equivalent to a minimum of 3 years of income, up to 10 times the annual income, or even more.

You may need to complement the death insurance policy provided by your employer or workplace if you are in business. We offer solutions in this regard, which will also allow you to maintain your insurance once you retire.

Does this contract meet all your needs? If not, we can complement it.

In addition, this coverage will end upon termination of your professional activity. However, you still need protection. Our solutions allow you to maintain your continuing insurance after the end of your activity.

Retirement & Saving

Today, if you do not subscribe to a supplementary pension plan, your income at retirement will be reduced by about 50% of your last salary. We help you build a complementary pension scheme and anticipate your children’s studies.

You seek to build wealth that could be used for exceptional expenses such as the education of children, or your retirement. You are free to choose how to establish this via the advantageous framework of Life Insurance and contracts with a lump sum or regular premiums.

Whether you are an expatriate or a local national, if you do not contribute to any fund, you must anticipate your needs.

We offer a wide range of insurance products that allow you to choose how you diversify your medium and long-term investment goals.

In all cases, you need to build up an income supplement that will be available at the right time.

Whether you are contributing to Social Security or not, we assess your current living standards to determine the way of maintaining it when you retire. We then establish an additional income that will be available when needed.

Inheritance

You need to be able to transmit to your heirs a financial capital accumulated throughout your life.

TRANSMISSION OF A FINANCIAL CAPITAL
By investing your financial assets into a life assurance wrapper (before the age of 70 in France), you guarantee to your beneficiaries of your choice:

A swift settlement
A favorable tax treatment

Similarly, you must be able to transfer your inheritage (non-financial capital) so that your heirs are not forced to sell a part of it to pay the inheritance taxes

TRANSMISSION OF A NON-FINANCIAL CAPITAL
It consists in providing in advance a sufficient amount of money to the heirs of the insured to settle the inheritance tax of his heritage. The insurer will then pay a sum of money to the heirs at the time of death, as mentioned in the inheritance, and they will then be able to pay the State their inheritance rights. A complete evaluation must be made and the proposed capital provision must anticipate the appreciation of the inheritance.

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PREPARE FOR ALL CONTINGENCIES

Corporate, Professionals & Leaders

Insure your Responsibilities

Are you a leader of a company, a manager, a corporate officer, or a liberal professional? Your status implies making decisions on behalf of your company or structure and therefore taking risks

When facing these risks, such as the financial consequences in case of errors, omissions, or negligence you or your colleagues committed, you need to cover yourself and your company.

You also need to protect your income if you lose your business, knowing that in case of revocation accusation, liquidation, etc., leaders are not protected by unemployment.

We offer insurance solutions:

Civil liability: to protect your business
Civil liability of corporate officers: to protect you as a manager and protect your personal wealth
Legal protection: to advise and assist you in case of litigation

Health

Healthcare costs are rising, and reimbursements from social security are decreasing.

You need to find the right solutions to maintain a level of reimbursement that is tailored to your real expenses, as leader or manager of a company, and to your employees.

In accordance with your collective agreements, we offer flexible and progressive solutions to optimize your reimbursement costs and those of your employees, through a common base and optional guarantees, which can be subscribed on a case by case basis to get closer to a total reimbursement of real costs. These solutions are also available for freelance professionals and company managers. We work with you to find the best solution.

Contingency

You need to be protected and protect your employees in case of an accident or sickness resulting in a work stoppage, disability, etc.

In accordance with your collective agreements, we provide contracts protecting your employees in case of work interruption due to accident or sickness, as well as benefits that become payable on death.

For you, as a company manager or a self-employed person, we also cover work interruption, death, and reimbursement of general costs.

Death / Key Man insurance

You are a company or a partner in a liberal activity: the death of one of your employees or associates could harm you or your business.

We propose solutions in which the insurer pays a lump sum to the company to allow it to alleviate the financial consequences of the death of a key man, and allow time to recruit.

As for the partners, we propose contracts to protect themselves against the eventual death(s) of their partner(s) and thus keep control of their business. For example, the insurer will be asked to pay a lump sum to the surviving partners, enabling them to repurchase the shares from the deceased partner’s family.

Retirement

In light of the uncertain future of mandatory retirement plans and pensions actually paid, you need to reassure and retain your employees, offering them a motivating complementary retirement plan.

As a company leader or manager, or as a liberal professional, you have several solutions for subscribing to supplementary pensions for your employees, in particular via article 83 of the General Tax Code (CGI), and various savings solutions in companies.

Whether you are a leader of a company or a self-employed professional, you need to ensure a sufficient and motivating pension scheme to be financially independent.

As a manager or a liberal profession in France, thanks to the Madelin law, you can build up a pension supplement that will be included in the expenses of your professional structure.

You are already retired while continuing your liberal profession.

Our solutions will allow you to increase the amount of your pension. We look at various flexible and progressive solutions to enable you to build up a pension supplement with minimum contributions.