Our solution: life assurance with asset management

Life assurance used as a basis for financial planning offers in many cases tangible benefits to investors and their families.

Advantages of life assurance

As part of a trust-based relationship between the investors and their advisors and asset managers, the intervention of Private Insurer enables broader investment options, while:

• improving the risk/return ratio,
• standardising the legal and fiscal system independently of the investment supports used,
• separating asset management from risk coverage.

The flexibility of a life assurance contract as the basis for financial planning grants the investor with the option to pursue a combination of aims as diverse as they are varied, including:

• optimum income management,
• the securing of investments and, if necessary,
• the efficient handover of their estate.

Multidisciplinary advice

An efficient asset strategy requires advice not only from a private bank, an independent financial advisor or an asset manager, but also from tax and legal advisors as well as financial specialists within Private Insurer.

A personalised response to individual needs

Wealthy investors have specific needs. Thanks to Private Insurer, their advisors draw up plans that meet the individual needs of each client. An analysis of the client's financial situation is an essential preliminary step. This analysis brings the client's objectives to light and identifies, for example, how:

• to make asset management easier,
• to protect assets,
• if applicable, to ensure efficient individual estate planning,
• to maintain control of assets,
• to take into account other factors such as the client and/or the beneficiaries moving country.