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Guarantees REFERENCE

You want to have essential safeguards.
solutions Reference, Reference 1 and Reference 2 offer solid protection while sparing your budget.

REFERENCE

Reimbursement rates are expressed as a percentage of agreement Tariff (CT) including reimbursement of Social Security.

Routine Care: 100% agreement rate.

Drugs: 100% agreement rate + Repayment of flu vaccine.

Sight: 100% agreement rate + 40 euros per year per insured.

The Audition: 100% agreement rate.

care and dentures
- Dental care: 100% tariff convention Dentures: 100% agreement rate

Hospitalization

- Subsistence in contracted establishment:
Actual costs - Costs of stay in non-contracted facility: 100% tariff convention fees contracted establishment in 100% of the fee agreement
- Fees institutional non-contracted 100% of tariff convention

Daily hospital : real costs-Hospitalization at home: 100% agreement rate Movers: 100 % of agreement rate-maid, nurse during the 20 days leaving the hospital (within 40 hours)

The spa
100% agreement rate

Children
tutoring in the absence of more than 15 days.

REFERENCE 1


Routine Care
100% agreement rate.


Drugs 100% agreement rate + Repayment of flu vaccine.

The view
100% agreement rate + 60 euros per year per insured.

Hearing
100% agreement rate.

care and dentures
- Dental Care: 100% tariff convention Dentures: 100% agreement rate + 60 euros per year per insured.

Hospitalization
- Subsistence in contracted establishment:
Actual costs - Costs of living in an institution not under agreement: 100% tariff convention fees as contracted establishment: 300% agreement rate
- Fees in institution not under agreement: 100% agreement rate
- Daily hospital : actual costs
- Hospitalization at home: 100% agreement rate Movers: 100% tariff convention Private room: 30 euros / day-bed cover: 15 euros / day-maid, nurse during the 20 days following discharge from hospital (within 40 hours)

The spa
100% agreement rate.

Children
- Welcome Bonus: 60 euros-Orthodontics: 30 euros per half-tutoring in the absence of more than 15 days.


REFERENCE 2


Routine Care
125% of the fee agreement.


Drugs 100% agreement rate + Repayment of flu vaccine. The view


125% agreement rate + 100 euros per year per insured.

Hearing
125% agreement rate.

care and dentures
- Dental care: 125% agreement rate
- Dentures: 125% agreement rate + 100 euros per year per insured.

Hospitalization
- Subsistence in contracted establishment: Actual costs
- Subsistence Institutional non-contracted: 125% agreement rate
- Fees contracted establishment in 300% of tariff convention fees in non-contracted facility: 125% agreement rate
- Daily hospital : real costs-Hospitalization Home: 125% agreement rate Movers: 125% tariff convention Private room: 50 EUR / day Cot accompaniment: 15 euros / day
- Home help, care patient during the 20 days following the release of hospital (within 40 h)

The spa
125% agreement rate

Children
- Welcome Bonus: 100 EUR-Orthodontics: 125% agreement rate + 40 euros per half-tutoring in the absence of more than 15 days.

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AXA Health Health Insurance - Top guaranteed

What are the main guarantees of a complementary health?

at AXA a wide range of innovative and competitive products is available. As you select them according to your needs.


An extended complementary health reimburse expenses incurred for: consultations and medical care, pharmacy, hospitalization, care and dentures, optics, hearing aids, the premium for the birth of a child, spa treatments.

Caution: do not expect to be sick or have large health expenditures to purchase complementary health! Also, you can at all times of your life, change your guaranteed contract (birth a child, retirement).

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Why the Health Insurance? ACT

Why take out health insurance?


Reimbursements of medical expenses by the Social Security rarely correspond to actual expenditure. The complementary health insurance (often called mutual) allows a refund of all or part of the expense is not supported by Social Security, depending on the option you selected contract.



Health is poised to become the first budget of the household. Medical consultations, dental, optical, medicines and other medical expenses have been quick to burden the family budget. Especially since Social Security does not support that part of medical care. Therefore, if you do not have health insurance (or mutual) through your company, it is recommended to take out supplementary health as its name suggests, will complement the Compulsory . This add up to a full refund of costs incurred. The investment options that offer the highest rebates are also the most expensive.


My advice: Beware of the elimination period or waiting time (during which you are not yet covered) imposed when you subscribe to a complementary health. In AXA , there is no waiting period or waiting period .

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Madelin - New limits on deductible

Fillon law of 21 August 2003 that the reform Pensions has set new limits on deductible no longer flat but depending on the declared net income.

other hand, the envelopes of deductibility are independent of each other: a ceiling for retirement, a ceiling for the pension, a ceiling for the job loss suffered: see table below.

Until 2008, the two systems will coexist for contracts signed before September 20, 2003: NER may choose one or the other calculation of deductibility. • Retirement

:

The ceiling is 10% of taxable income limited to 8 times the maximum annual Social Security (PASS) which is € 29,712 in 2004, representing a net income of € 237,696 which is added 15% of taxable income between 1 and 8 assists.
should be inferred from the ceiling, the matching contribution made by the company or liberal or independent activity at PERCO (Plan d'Epargne Retraite Collectif). This matching contribution is limited to 4,600 € per year.

• Welfare:

The ceiling is 3.75% of taxable income limited to 8 times the PASS. At this amount is added to a 7% PASSS. The upper limit of the sum of these two amounts may not exceed 3% of 8 PASS, a deduction of up to € 7,131 Welfare (3% * € 237,696)

• Job loss suffered:

The ceiling is 1.875% of taxable income is limited to 8 Once the PASS. At this amount is added to a 2.5% PASSS. The upper limit of the sum of these two amounts can not exceed 1.5% 8 PASS, a deduction of up to € 3,565 Welfare (1.5% * € 237,696)

New Limits on deductible Fillon Act :

Benef Net Contribution Retirement déductible

30 000,00 € 3 043,00 €
40 000,00 € 5 543,00 €
50 000,00 € 8 043,00 €
60 000,00 € 10 543,00 €
70 000,00 € 13 043,00 €
80 000,00 € 15 543,00 €
100 000,00 € 20 543,00 €
110 000,00 € 23 043,00 €
120 000,00 € 25 543,00 €
130 000,00 € 28 043,00 €
134 693,00 € 29 216,00 €
140 000,00 € 30 543,00 €
150 000,00 € 33 043,00 €
160 000,00 € 35 543,00 €
170 043,00 € 000,00 € 38 € 40
180 000.00 € 543.00
190 000,00 € 43 043,00 €
200 000.00 € 543.00 € 45 210
000,00 € 48 043 , 00 € 000,00
220 € 50 € 543.00
237 696,00 € 54 € 967.00


Benef. Net pension deductible contribution

30 000.00 € 205.00 € 3 € 3
40 000.00 50 000.00
€ 580.00 € 955.00 € 3
60 000.00 € 4 330,
70 000,00 € 00 € 4 80 000.00 € 705.00 €
5 080,00 €
100 000,00 € 5 830,00 €
110 000,00 € 6 205,00 €
120 000,00 € 6 580,00 €
130 000,00 € 6 955,00 €
134 693,00 € 7 131,00 €
140 000,00 € 7 131,00 €
150 000,00 € 7 131,00 €
160 000,00 € 7 131,00 €
170 000,00 € 7 131,00 €
180 000,00 € 7 131,00 €
190 000,00 € 7 131,00 €
200 000,00 € 7 131,00 €
210 000,00 € 7 131,00 €
220 000,00 € 7 131,00 €
237 696,00 € 131.00 € 7


Benef. net job loss sustained contribution deductible

30 000.00 € 306.00 € 1
40 000.00 € 493.00 € 1 € 1
50 000.00 60 000.00 € 681.00
€ 1 € 868.00
70 000,00 € 2 056,00 €
80 000.00 € 243.00 € 2 € 2
100 000.00 110 000.00 € 618.00
€ 2 € 806.00
120 000.00 € 993.00 € 2 130 000,00
€ 3 134 693,00
€ 181.00 € 268.00 € 3 140 000,00
€ 3 368.00
€ € 3 150 000.00 160 000.00 € 556.00
€ 3 € 556.00
170 000.00 € 556.00 € 3
180 000.00 € 556.00 € 3 190 000,00

€ 556.00 € 3 200 000.00 € 556.00 € 3 210 000,00
€ 3 220 000,00
€ 556.00 € 556.00 € 3 237 696,00
€ 3 € 556.00

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MADELIN ACT - Businesses concerned

All professionals and independent Liberal majority managers, traders and artisans, and collaborating partners.
memberships can be collected only from persons Update their pension contributions compulsory "retirement" and "disease".
Occupations covered: persons subject to tax on income:
- under BIC (natural persons engaged in commercial, industrial or craft, whether sole proprietors or managers)
- under BNC ( professionals or independent)
- Merchants, artisans, professionals and self-employed nonfarm (TNSNA)
- their collaborating partners:
- unpaid under
activity - actually participating in the occupation- with no other occupation or who are employed part time (50% at most)

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Act MADELIN Principles

Before this law, traders, artisans, independent professionals or liberal, the managers of society could infer that their mandatory pension contributions. The taxman
considered expenditures funded pension or provident fund additional expenditure as personally.

Law 94-126 of 11 February 1994 on the initiative and individual enterprise (Madelin said Act) allows the desfiscalisation ( deductible from taxable income under the BIC or BNC) contributions made voluntarily by non-agricultural self-employed (or TNS TNSNA).

These contributions include: the amounts paid each year to provide additional funded pension guarantees or acquire additional pension and health (mutual) (Article41).

The principles of law Madelin
Leaseback of pension contributions and retirement -> taxation of annuities and pensions related.
Contributions are deductible
All contributions for the daily allowances in sick, disability pensions and education, spouse's pension and the pension.

But the benefits are taxable
diems are taken into account in determining taxable income. Annuities paid under the disability or death should be reported under the category of pensions and annuities.

ATTENTION
The outputs of the various contracts "Loi Madelin" can not be that pensions allowances: off work, disability pension, spouse's pension and annuities education on death, an annuity for a dependent, complement retraite.Ceci involves making a detailed study of personal, professional and family compared to the benefits under various social systems and personal guarantees, and to clarify their evolution in the social balance and heritage temps.Ce optimizes the solution between the safeguards put in place under the Act Madelin tax or other tax benefits, particularly life insurance, PERP (Plan d'Epargne Retraite Populaire) ....

Access condition
Be current in its contributions to employee compulsory health insurance and tax benefits vieillesse.Pour law Madelin, must adhere to a collective contract signed by an association having at least 1,000 members employed or formerly employed by non-employment law agricole.La Madelin and his decrees specify the characteristics of contracts whose contributions are deductible:
- life insurance, group, endorsed by an association of at least a thousand non-agricultural TNS, with at least 1,000 members before the purchase of TNS contracts "Loi Madelin"
- contributions with a regular character, as in amount as periodicity,
- no liquidation rights acquired before the normal age of retirement except
- a disability making the participant absolutely unable to perform any occupation,
- the cessation of activity NER following a liquidation,
- in retirement, liquidation of vested exclusively in the form of additional lifetime retirement reversible or not.

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Tax saving and PERP PERP

we saw earlier, the deductible amounts relating to the PERP. But who says

deductibility, said tax savings.

compute this economy:

First, you need your marginal tax rate (IMR) is the tax rate applied to the highest fraction of your income taxed
The scale is as follows:


Taxable income brackets in 2004


Tax Rate Up to € 4 334 0 ------------------------> %
Ranging between € 4,334 and € 8 524 6.83% ----->
Ranging between € 8524 and € 15 004 19.14% ---->
Ranging between € 15 004 € 24 294 and ---> 28.26%
Between € 24 294 € 39 529 and ---> 37.38%
Ranging between € 39 529 € 48 747 and ---> 42.62%
Above € 48 747 --------- ---------> 48.09%


The gross tax is calculated according to the "family quotient system"
dividing the amount of taxable income by the number of units, we
applying the progressive scale of RI to the value of a share of income,
then multiply that result by the number of shares.

EXAMPLE: A married couple without children has a taxable income of 30 000 €. So there
2 shares tax.
To apply the above scale, we divide 30,000 by 2: € 15 000
It is therefore in the range: between € 8524 and € 15 004 19.14% ---->
The marginal tax rate (IMR) of torque is 19.14%.

So if the couple earns a euro more it will be taxed at 19.14%.

So if this couple will pay 1 euro extra on the 1 euro perp he deducted from his taxable income and therefore is a tax saving of 1 x 19.14% = € 0, € 1914.

For a fee Annual of 3000 €, you save so 3000 x 0.1914 = € 574.2 in income tax.

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The Retirement Savings Plan Tax People

The state gradually withdraws pension division.

To compensate for this gradual decline and planned retirement pensions, the law Fillion was introduced in late 2003 a tax system beneficial to build up a retirement savings: the PERP popular retirement savings plan.

The basic principle is simple: The insured contributes

with the periodicity of its choice on its pension plan, contributions are deductible from income taxable in certain limits.

The assessment may be equal to 10% of income of the contributor's occupation. This
income occupation is equal to net income minus 10%.


Nota Bene: If the holder of the perp has, through his company, a supplementary pension scheme, deduct contributions earmarked for the scheme of tax deductible envelope. As your company makes you enjoy a prosperous retirement, the less you can contribute and deduct under the PERP.

Example:

1 employee whose income is 50 000 € annual net (without supplemental business) may deduct 10% (50 000 - 5000) or 0.1 x 45 000 = 4500 €. If this sum contributes
(4500 €), its taxable income before deductions then passes of 50 000 € 50 000 € 4500 € 45 500 tonight.

However, whatever the income of the holder of PERP, it may deduct from its taxable income up to 10% of the maximum annual Social Security is € 3019 within the limits of contributions, of course.

Example:

an employee has an income of 14 000 € net Annual (without supplemental business).
He decides to contribute € 3,000 annually on its PERP. These
€ 3000, even if they greatly exceed 10% of its income from professional activities, will be deductible from taxable income.

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transmission Life Insurance

Life Insurance has enormous advantages in the context of an estate in order to minimize RIGHTS OF SUCCESSION.


Taxation on death

The beneficiary has been designated in the contract (initial contract or rider) in the beneficiary clause. The application of this issue must not result in a breach of contract size reserved.
Moreover, if no beneficiary was designated or that it is not identifiable, death in the contract between the estate and no longer enjoys his scheme.
Taxation of Life Insurance has been amended several times. Before November 20, 1991, no tax was made on this transmission sheet. Over time, it became a great way to escape inheritance tax. Today, this exemption is limited.

Existing system (contracts signed since October 13, 1998) depending on the age of the subscriber at the time of its payments: Payments made



Taxation
before age 70
152 000 No taxation until bénéficiaire.Imposition € per flat rate of 20% beyond.


after 70 years
Exemption to € 30,500 (for all contracts of the deceased) Beyond that, subject to inheritance tax (depending on the relationship). Waiver of interest and capital gains (only payments are submitted)

Veterans contracts :

Date 20/11/1991
subscription before date of payment before 13/10/1998
Taxation: Cases 1


Date subscriptions before
Date 20/11/1991 payments since 13/10/1998
Taxation: Case 2


subscription date between 20/11/1991 and 12/10/1998 Date
payments before age 70 before 13/10/1998

Taxation: Cases 1
subscription
Date Between 20/11/1991 and 12/10/1998 Date
payments since 13/10/1998
70 years
Before Taxation: Case 2


Between 20 / 11/1991 and 12/10/1998
Timing of payments after 70 years
Taxation: Case 3


Case 1: total relief. Case 2: By Recipient: exemption up to € 152,000; fixed at 20% beyond. Case 3: exemption up to € 30,500; Inheritance then.

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Choosing a Life Insurance carriers

You can choose what media will be placed on their savings to chance.

The main setting is your risk approach.

supports riskiest offer the hope of the largest gains.
The downside is that they also exhibit the greatest changes in their results.

In this context, the first criterion to consider is your age:

- The younger you are, the more risky use of media is recommended for the long term, these materials will outweigh any decreases increases much stronger than non-risk carriers.


compare two supports 31 / 08 / 2005:


1 / AXA European bonds

product is a bit risky, the risk index is 2 / 10.

raw performance
UCITS
In 2005

5.55% for 1 year Since

8.27% 18.37% 3 years

last 5 years 34.39%

8 years
58.43%


2 / AXA France Actions

It a product rather risky, its risk index is 6 / 10.


UCITS
raw performance Benchmark on 30/12/2004
Since

18.57% Since 1 year Since

26.98% 34.92% 3 years

past 5 years
32.68 For 8 years
% 72.1%



Conclusion:

support risky (AXA France Actions ) Dominates over the long term produces little risky (AXA European bonds).
However, changes in the media may be more important.

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Taxation of Life Insurance (CAPITAL GAINS)

The tax treatment of life insurance is very favorable, it can limit or even negate the imposition of Realised gains . The higher your life insurance contract is old, less taxation of capital gains is high:

- For contracts of less than 4 years : the tax is equal to 35% capital gains

- For Contracts 4 years to 8 years : Tax is equal to 15% capital gains

- For contracts of more than 8 years : the tax is equal to 7.5% of capital gains. But capital gains are reduced by an allowance of 4600 € for a single person and € 9,200 for a married couple.

The dates payments are made are irrelevant.

What counts is the opening date of the contract.


That, for tax strictly so called.

But there is another type of compulsory levies on capital gains.
These social security contributions.
Whatever the age of the contract, they are of 11% of the gain .

That's taxation policies taken today.


For existing contracts, there were different regimes depending on the underwriting years and years of payment:

For payments made before September 26, 1997, the income is exempt from taxation.
There are special rules for payments made between September 26, 1997 and December 31, 1997 when the contract was opened before September 26, 1997. See section 125-0 A tax code .

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"Life Insurance", you should at least hear those two words without necessarily knowing exactly what it was.

Insurance Life insurance is an investment. His goal is to grow your capital while maintaining the level of risk you have chosen.

The degree of risk depends on the chosen media on which is invested capital.

There are two main types of media:

- supports actions that involve, by definition, a degree of risk but high return prospects

- media obligations that are risky not offer guaranteed returns but moderate

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Your Life Insurance Advisor Insurance and Investments Online

Hello, My name is

BIBAS Lawrence.
I am a professional insurance and investments.
Given the complexity and influence, still increasing, insurance in our daily lives, I offer my advice and useful information for you to best protect and grow your capital.

Sincerely,