The capitalization contract

presents itself as a financial investment similar to life insurance whose objective is to accumulate gains to increase the value of savings over the long term.

 

But unlike life insurance , the capitalization contract is not based on the lifetime of the subscriber or the named insured and lasts beyond their death. It is distinguished by a purely patrimonial approach, the tax exemptions acquired over time are thus transmitted to the heirs who will have been subject to inheritance tax.

 

A capitalization contract can be the subject of a donation in full ownership or dismembered, whereas a life insurance contract can only be transferred upon death.

 

 

For any additional clarification and adaptation to your personal situation