LIFE INSURANCE

OptiLife2, the ideal alternative
to traditional savings! 1)

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START RIGHT NOW TO MATCH BOTH YOUR SAVINGS AND PLANNING OBJECTIVES

PORTFOLIO DIVERSIFICATION

Depending on your investor profile, you can invest your savings:

  • entirely in the General Fund
  • entirely in units of account 2)
  • in both the General Fund and units of account 2)

YOUR ADVANTAGES

Returns in 2017

2.5%

for total investment in the General Fund 3)

Possible
redemption
at any time 4)

Stable
Return

compared to 2,6 % in 2016

Capital 100%
Guaranteed

for total investment in the General Fund 3)

Savings
available

Benefit from a flexible access to your savings at any time

Guarantee
bank loan

OptiLife2 can serve as collateral for your mortgage

You also benefit from

  • a dedicated offer as Luxembourg resident or as cross-border commuter (Belgian or French)
  • a secure and efficient transfer of your estate with the possibility to choose your beneficiaries in the event of death
  • an enhanced protection due to the regulatory framework for life insurance in Luxembourg (separate asset-account and “super privilege” in the event of insurer default)
  • a supplementary death coverage option which protects your loved ones

You find more information about the product OptiLife2 in the brochure for individuals residing in Luxembourg, France or Belgium.

Our in-branch experts will be happy to tell you more about this product and help you apply.

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1) OptiLife² is a life insurance policy issued by Cardif Lux Vie, a Luxembourg insurance company. The capital is only guaranteed in the case of investment in the General Fund (within the limits and conditions foreseen in the General Terms and Conditions of the OptiLife² policy). After your initial payment of EUR 10,000, you are free to make additional payments of at least EUR 1,500.
2) Units of account include Internal Collective Funds and/or funds from a range of BNP Paribas Group SICAVs.
3) Return of the General Fund in 201, gross of management fees. Past returns offer no guarantee for the future. You can download the OptiLife² financial fact sheet for Luxembourgish residents or for French and Belgian residents.
4) Possible at any time, excluding the sliding redemption fees for the General Fund of 3% of the amount redeemed in the first year, 2% in the second year and 1% in the third year.