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Product Name Group Supplementary Retirement Insurance
Type Group Contract
Object The contract is underwritten by a company (the Contractor) for the benefit of its staff. It guarantees in case of   :

  • Death or permanent total disability ( ITP ) of the insured, the payment of the incorporated savings calculated at the date of death and increased profit sharing.
  • Life of the insured at the end of the contract, the payment of the minimum guaranteed capital plus Profit sharing


Exclusion of a member

Any employee of the Contractor aged between 18 and 60 having completed and signed the application form validated by the Contractor .

Unless reluctance, omission or misrepresentation an insured can not be removed from the insurance as long as he is a member of the group’s insurable workforce and provided his premium has been paid.

Contract length For each insured, the duration of the contract is equal to the difference between his retirement age and his age at subscription.


Premium distribution

Payment method

The overall annual premium of the contract is determined by applying the prime rate to the total gross annual salary of the insured .

The annual premium rate shall be fixed by the Contractor.

The annual premium of the contract may be   :

  • Either fully supported by the Contractor
  • Be divided between the insured and the contractor

Premiums are payable annually . However, they may at the request of the Contractor be paid monthly, quarterly or semi-annually.

The subscriber has the option to pay the premium by direct debit, or by check.

Guaranteed capital The amount of the guaranteed capital is fixed in the Special Conditions. It is determined , for each insured, by the capitalization at the technical rate of premiums paid over the duration of the contract.
Total surrender


The aggregate redemption is possible at the request of the Contracting when the insured has contributed three annual premiums.
Information of the member The company is committed to   :

  • Give each member a document issued by the insurer that defines the guarantees, their terms of entry into force and the formalities to be completed in case of disaster
  • Inform the insured in writing of any changes that may be made to their rights and obligations.
Termination of guarantees Contract guarantees cease   :

  • For each individual insured

          At the end of the contract

          In the event of death or permanent total disability

          If the relationship between the insured and the employer breaks

  • For all insureds

          In case of termination of the Agreement

Download the general conditions

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