In the event of the member's death, the death benefit is paid to the beneficiary(ies). This benefit can be increased by the free supplementary death benefit. This benefit only applies if the death benefit is less than the payments net of fees and surrenders.
Open an AccountTo benefit from your insurance, you must first open a BCMF current account. It's free, as is its bank card.
Discover the general terms and conditions related to insurance at BCMF.
Life insurance can be taken out by any adult, whether or not residing in France and legally capable.
To benefit from your life insurance, you must open a BCMF current or joint account. It is free, as is your bank card.
Upon enrollment, you automatically benefit from the Supplementary Death Benefit at no additional cost. The supplementary death benefit is paid if the death benefit is less than the payments net of fees and surrenders. In this case, it is equal to the amounts of the payments net of fees and surrenders less the death benefit.
You have an excellent tool for transferring your assets in the event of death. Death benefits are completely tax-free when the beneficiary of the contract is the spouse or a civil partner.
Upon withdrawal from the life annuity for consideration, the proceeds acquired prior to conversion into an annuity are exempt from income tax but subject to social security contributions at the rate of 15.50%.
You have a withdrawal period of 30 calendar days from the date the contract was entered into.
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