Faq
WHY SHOULD YOU PURCHASE LIFE INSURANCE?
Life insurance offers many advantages.
It allows you to build up capital over the long term. After a few years, you can withdraw your principal, that is, close your contract and withdraw the money deposited, plus net interest. Warning ! You are not guaranteed to get back your entire stake if you invest in units of account (UC).
It also offers the possibility of supplementing one's income, in particular for retirement, by regular withdrawals or the transformation of your capital into a life annuity.
Finally, life insurance is an excellent tool for transmitting wealth thanks to favorable taxation and great freedom in the choice of beneficiaries.
WHY IS IT IMPORTANT TO SUBSCRIBE TO CONSTRUCTION INSURANCE ?
It is the company that has the greatest interest to subscribe a construction insurance contract, but it is also the interest the contracting authority and it is mainly the latter who subscribes, because if he benefits from the civil code and jurisprudence for him, he may encounter difficulties in exercising his remedies given the multiplicity of stakeholders and of the entanglement of responsibilities and especially because he may be forced after an unrepaired disaster to abandon his project.
THE ROLE OF THE INSURANCE BROKER?
The broker does not sell insurance contracts directly to his clients. He helps them buy it. In this, its advisory role is essential. He has in-depth knowledge of the insurance market and keeps abreast of its developments.
He helps his clients to formulate their needs and guides them in choosing a contract.
Independent from insurance companies, it selects from the products on the market the offers best suited to the specificities of its customers. In his practice, he also has to innovate by designing tailor-made contracts to meet specific demands.
It launches calls for tenders from insurance companies and negotiates pricing conditions.
IN AUTOMOTIVE INSURANCE, THE DIFFERENCES BETWEEN THE TIERCE COLLISION AND THE COMPLETE TIERCE?
Regarding the Third Party Collision, you will be covered against damage to your own vehicle, whether you are responsible or not. However, for this to be valid, the third party must be clearly identified. Unfortunately, if this is not the case then you cannot be compensated.
The full Third Party warranty (damage from all accidents) will compensate you each time the vehicle is damaged even if a third party is not involved or identified.