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You know I do not recommend specific financial products on this blog, just because a product never answers the specific needs of everyone. I therefore prefer to give you the keys to a good choice: for example, how to know your financial goals , how to choose your life insurance policy , how to choose your funds based on whether you want to play it safe or try to achieve some higher performance . Many people have a contract with Afer, myself included, important decisions that have just been taken at their General Assembly, are a good opportunity to explain some details of the life insurance and impacts to you of certain decisions.
Lower fees. Afer the problem account recently was the entrance fee to 3%, when the competition is advertising on charges to 0%. They will spend 2% on the bottom 1% guaranteed and the units of account. As I urge you to minimize your finance charges , it is much more performance for you. If you purchased before 2000, like me, you will receive an additional discount of 30% on your entrance fee. Finally a life insurance policy that rewards loyalty.
Provision for Participation in surpluses. In the article ” Your life insurance in euros doped PPE “, that often we had seen some of the financial benefits are not distributed but retained to boost performance of the following year, on 8 years old. The Afer in turn redistribute all the benefits, which was a plus. Otherwise during the final redemption of your life insurance, a portion of your profits would be redistributed to others in subsequent years. The Afer just decided to implement a PPE on the bottom in euros, which will be distributed no later than 6 years. The idea is to reinvest in shares of this provision several years, as more profitable than the bond on a year to boost the performance of the bottom in euros. Another way to entice you to stay faithful.
Weekly valuation. At the end of this year’s unit-linked funds will go to a weekly value. So far, it was quite difficult to know during the year the value of a fund Afer. This should allow you to track your assets each month more accurately. This is the only gain that I see, if like me you invest the same amount each month.
Other decisions. Scheduled redemptions will be implemented from 1 July, which will allow you to regularly retrieve any money that you have specified. Before putting it up, read how to recover the money from your life insurance cheaply . Among other decisions, you may notice a new bottom unit of account will be created on 1 October and that death benefits will be extended to all units of account.
To finance all these measures, including lower costs, Afer expects an increase of 8% of the collection over a year. Personally, I use my account Afer to invest in the medium term, using the bottom in euros for the best performance possible without risk, and using the unit-linked funds to do a little better. On my new project, I hesitated to use it given the amount of entrance fees, which impact the performance of the medium term. New decisions will, in my case of “old” subscriber, in the right direction. What about you? Following these explanations a little detail, do you have any questions or comments on life insurance, whether you own a home Afer contract or not?
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