Strategies · Immediate financing plan
Finance the purchase of a life insurance policy
The Immediate Financing Arrangement (IFA) is an innovative financial approach that optimizes your estate upon death while reducing your tax impact year after year — without affecting your liquidity.
Acquired through your company, this strategy is designed to facilitate the acquisition of a participating permanent life insurance policy. It is particularly relevant for individuals or businesses wishing to protect high-value assets.
Explainer video
01 · Significant tax advantages
Comfortable life insurance
Rest assured knowing you will leave a significant sum to your loved ones.
Tax-deductible premiums
Since the bank requires the loan to be insured, it is possible to deduct interest as well as the net cost of pure insurance (NCPI).
Preserves your liquidity
The IFA preserves the company's cash flow and maximizes your protection without compromising available resources.
02 · Case study (illustrative)
Marc owns a management company. His two objectives: limit tax on profits and protect his successors. He wishes to take out life insurance without a high premium impacting his companies' cash flow.
Marc pays the premium to the insurer; the financing bank reimburses the full premium paid. The interest paid during the year is reimbursed 100% upon repayment of the premium in year 2. From the first year, he reduces his tax impact through the deduction of interest and the net cost of pure insurance.
Purely illustrative example. The figures shown are based on assumptions and do not constitute a guaranteed projection. Results vary according to your situation, eligibility and the conditions of the lender and insurer.
Past performance is not a guarantee of future results. Any strategy presented is for informational purposes; its application depends on each investor's situation, objectives and risk tolerance. No personalized investment advice is provided on this website — every investment decision must be the subject of a personalized analysis by a representative duly registered with the Autorité des marchés financiers (AMF).