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Combine security, performance and flexibility within the same life insurance policy

Do you want to diversify your portfolio, protect your loved ones or prepare for the transfer of your assets? Created by Cardif Lux Vie and distributed by BGL BNP Paribas, the OptiLife2 life insurance policy conveniently combines your savings, life insurance and estate transfer goals.

  • Security: your investment offers a capital guarantee and returns paid out at the end of each year based on the actual gross yield of Cardif Lux Vie’s General Fund.
  • Performance: you can choose to invest in a selection of funds* that track the market, in line with your investor profile,
  • Vast range of funds: Cardif Lux Vie’s General Fund, Internal Collective Funds, BNP Paribas Group SICAV – mix and match investment funds according to your financial goals,
  • Ideal for securely passing on your assets
  • Additional payments can be made at any time
  • Optional: cover to protect your loved ones against the financial consequences of a death.

Diversification and transfer of assets

Nicolas lives in Luxembourg. He wants to grow his assets while preparing for their transfer. He decides to take out a life insurance policy. After going through all the different options with his advisor, he chooses the investment funds that are best suited to his investor profile and goals.

Did you know? OptiLife² can be used to secure a mortgage in Luxembourg.

Are you looking to take out a mortgage or a personal loan? Use your OptiLife2 fund as collateral.

This product from Cardif Lux Vie is distributed by BGL BNP Paribas, Cardif Lux Vie’s insurance agency, entered in the register of insurance intermediaries under number 1996AC001.

*Each fund corresponds to an investment strategy associated with a certain level of risk. These funds offer no guarantee with regard to capital or returns.>small>

 

 

 

 

 

 

 

 

 

 

 

 

Did you know? OptiLife² can be used to secure a mortgage in Luxembourg.

Are you looking to take out a mortgage or a personal loan? Use your OptiLife2 fund as collateral.

 

This product from Cardif Lux Vie is distributed by BGL BNP Paribas, Cardif Lux Vie’s insurance agency, entered in the register of insurance intermediaries under number 1996AC001.

*Each fund corresponds to an investment strategy associated with a certain level of risk. These funds offer no guarantee with regard to capital or returns.

Frequently asked questions about OptiLife² life insurance

  • Can I withdraw money from my life insurance?

    Partial or total redemptions can be made at any time and are free of charge (excluding redemption penalties on the General Fund for the first three years).

  • What should the amount of additional payments be?

    You can make additional payments of a minimum amount of €1,500 per underlying selected.

  • Can I combine OptiLife² and OptiSave?

    OptiSave and OptiLife² are two different products that can help boost your savings, and you can sign up for both at the same time.

    OptiSave allows you to build savings gradually through a fixed payment plan. You must make regular payments of at least €50.

    OptiLife² allows you to invest as and when you see fit with minimum premium payments of €1,500 per underlying. These underlyings must comply with the accepted level of risk exposure under a life insurance policy. To take out an OptiLife² policy, you must make an initial investment of €10,000, paid in a single transfer.

  • Who can receive the capital?

    If you are still alive when the policy matures, you will be the automatic beneficiary of the capital saved. You can designate anyone you like to be the beneficiary of the capital or annuity payments in the event that you die before the policy matures.

  • What are the medical formalities for taking out a policy?

    Medical formalities vary depending on the cover chosen and the policyholder’s profile: age, health status, amount to be covered, etc.

  • Luxembourg’s regulatory framework provides enhanced protection for life insurance policyholders: how so?

    Thanks to the regulatory framework for life insurance in Luxembourg, you benefit from enhanced protection that is unique in Europe.

    The assets underlying life insurance policies are placed in a separate account from the other assets of the insurance company.

    As the policyholder, you benefit from a Super Privilege: in the event of the insurer’s liquidation, you have priority over all other creditors.

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