Wrong contract, default allocation, non-optimised beneficiary clause: 80% of French life insurance policies are under-utilised. Véloci helps you turn yours into a real wealth management tool.
Understanding the mechanics to make the right wealth decisions.
After 8 years, withdrawals benefit from an annual allowance and a reduced tax rate of 7.5% instead of 30%.
Capital transferred via life insurance avoids inheritance tax up to €152,500 per beneficiary — a major estate planning lever.
Life insurance combines security (guaranteed euro funds) and performance (investment units: equities, property, private equity).
Not all life insurance contracts are equal. Entry fees (up to 5%), high management fees and a limited investment universe can significantly erode performance over 20 years. An independent wealth advisor selects the best platforms for you without any conflict of interest.
Full analysis of your existing policy: fees, performance, allocation, beneficiary clause and tax treatment.
Defining an allocation tailored to your risk profile, time horizon and inheritance objectives.