{"id":1689,"date":"2022-05-11T12:25:51","date_gmt":"2022-05-11T12:25:51","guid":{"rendered":"https:\/\/rouzade.com\/?p=1689"},"modified":"2024-05-06T11:30:41","modified_gmt":"2024-05-06T09:30:41","slug":"strahovanie-pohoron-essen-ciel","status":"publish","type":"post","link":"https:\/\/rouzade.com\/en\/strahovanie-pohoron-essen-ciel\/","title":{"rendered":"Funeral insurance ESSEN&#039;CIEL"},"content":{"rendered":"<p>The product ESSEN&#039;CIEL is manufactured by AXA.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/en\/strahovanie-pohoron-essen-ciel\/#%d0%a7%d1%82%d0%be_%d0%bf%d1%80%d0%b5%d0%b4%d1%81%d1%82%d0%b0%d0%b2%d0%bb%d1%8f%d0%b5%d1%82_%d1%81%d0%be%d0%b1%d0%be%d0%b9_%d0%bf%d1%80%d0%be%d0%b4%d1%83%d0%ba%d1%82\" >What is the product<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/en\/strahovanie-pohoron-essen-ciel\/#%d0%9a%d1%82%d0%be_%d0%bc%d0%be%d0%b6%d0%b5%d1%82_%d0%bf%d0%be%d0%b4%d0%bf%d0%b8%d1%81%d0%b0%d1%82%d1%8c_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82\" >Who can sign the contract<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/en\/strahovanie-pohoron-essen-ciel\/#%d0%92%d1%8b%d0%b3%d0%be%d0%b4%d1%8b_%d0%b8_%d0%b7%d0%b0%d1%82%d1%80%d0%b0%d1%82%d1%8b\" >Benefits and costs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/en\/strahovanie-pohoron-essen-ciel\/#%d0%9f%d1%80%d0%be%d0%b4%d0%be%d0%bb%d0%b6%d0%b8%d1%82%d0%b5%d0%bb%d1%8c%d0%bd%d0%be%d1%81%d1%82%d1%8c_%d0%b6%d0%b8%d0%b7%d0%bd%d0%b8\" >Lifespan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/en\/strahovanie-pohoron-essen-ciel\/#%d0%9a%d0%b0%d0%ba%d0%b8%d0%b5_%d1%80%d0%b8%d1%81%d0%ba%d0%b8_%d0%b8_%d0%b2%d1%8b%d0%b3%d0%be%d0%b4%d1%8b\" >What are the risks and benefits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rouzade.com\/en\/strahovanie-pohoron-essen-ciel\/#%d0%a7%d1%82%d0%be_%d0%bf%d1%80%d0%be%d0%b8%d0%b7%d0%be%d0%b9%d0%b4%d0%b5%d1%82_%d0%b5%d1%81%d0%bb%d0%b8_axa_france_vie_%d0%bd%d0%b5_%d1%81%d0%bc%d0%be%d0%b6%d0%b5%d1%82_%d0%bf%d1%80%d0%be%d0%b8%d0%b7%d0%b2%d0%b5%d1%81%d1%82%d0%b8_%d0%bf%d0%bb%d0%b0%d1%82%d0%b5%d0%b6\" >What happens if AXA France Vie is unable to make a payment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rouzade.com\/en\/strahovanie-pohoron-essen-ciel\/#%d0%9a%d0%b0%d0%ba_%d0%b4%d0%be%d0%bb%d0%b3%d0%be_%d1%8f_%d0%b4%d0%be%d0%bb%d0%b6%d0%b5%d0%bd_%d0%b4%d0%b5%d1%80%d0%b6%d0%b0%d1%82%d1%8c_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82_%d0%b8_%d0%bc%d0%be%d0%b3%d1%83_%d0%bb%d0%b8_%d1%8f_%d1%81%d0%bd%d1%8f%d1%82%d1%8c_%d0%b4%d0%b5%d0%bd%d1%8c%d0%b3%d0%b8_%d1%80%d0%b0%d0%bd%d1%8c%d1%88%d0%b5_%d0%b5%d0%b3%d0%be_%d0%be%d0%ba%d0%be%d0%bd%d1%87%d0%b0%d0%bd%d0%b8%d1%8f\" >How long should I keep the contract and can I withdraw money before it ends?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a7%d1%82%d0%be_%d0%bf%d1%80%d0%b5%d0%b4%d1%81%d1%82%d0%b0%d0%b2%d0%bb%d1%8f%d0%b5%d1%82_%d1%81%d0%be%d0%b1%d0%be%d0%b9_%d0%bf%d1%80%d0%be%d0%b4%d1%83%d0%ba%d1%82\"><\/span>What is the product<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>ESSEN&#039;CIEL is a voluntary life insurance contract. It guarantees the payment of capital to the beneficiary in the event of the death of the insured. The capital is intended to finance the funeral of the insured. The contract also provides for assistance services. These guarantees are provided in exchange for membership fees.<\/p>\n<p>Every year the guaranteed capital increases by 1%, and participation in the company&#039;s profits. Profit sharing is determined globally at the insurer level and<br \/>\nattached to all insurer contracts.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d1%82%d0%be_%d0%bc%d0%be%d0%b6%d0%b5%d1%82_%d0%bf%d0%be%d0%b4%d0%bf%d0%b8%d1%81%d0%b0%d1%82%d1%8c_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82\"><\/span>Who can sign the contract<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>ESSEN&#039;CIEL is intended for any individual, a tax resident of France, who wishes to provide for the financing of a funeral. On the day of signing the subscription application, the age of the insured must be from 50 to 85 years inclusive.<\/p>\n<p>No knowledge or financial transaction experience is required to invest in this contract.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%92%d1%8b%d0%b3%d0%be%d0%b4%d1%8b_%d0%b8_%d0%b7%d0%b0%d1%82%d1%80%d0%b0%d1%82%d1%8b\"><\/span>Benefits and costs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Until the death of the insured: the subscribed capital is revalued<br \/>\nannually at a rate of 1%, an increase is possible for profit sharing under the contract.<\/li>\n<li>In the event of the death of the insured: the capital is paid to the designated beneficiary. In case of death due to an accident,<br \/>\nThe guarantee is paid from the date of entry into force of the contract. In other cases or in the case of suicide, there is a delay in the onset of guarantees - 1 year after the entry into force of the contract. That is, if the death is not accidental or occurs as a result of suicide during the first year, AXA will reimburse the contract subscriber for the amount of net premiums paid less operating and management expenses.<\/li>\n<\/ul>\n<p>The contract also includes assistance services, detailed in the information booklet.<\/p>\n<p>In exchange for guarantees, the subscriber agrees to pay fixed lifetime fees determined at the time of signing the contract depending on age and amount of guarantees. In case of non-payment of premiums, the insurer may reduce the amount of the guaranteed capital, provided that the subscriber has paid for his first year of membership. Otherwise, membership will be terminated.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d1%80%d0%be%d0%b4%d0%be%d0%bb%d0%b6%d0%b8%d1%82%d0%b5%d0%bb%d1%8c%d0%bd%d0%be%d1%81%d1%82%d1%8c_%d0%b6%d0%b8%d0%b7%d0%bd%d0%b8\"><\/span>Lifespan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>ESSEN&#039;CIEL lasts a lifetime and ends with the death of the insured, but also in the event of termination or complete abandonment of the contract. Membership may be reduced in accordance with the provisions of the general conditions of contract. The subscriber may retain his membership with the cessation of payment of dues, but in return, the guaranteed capital is reduced. A reduction in payments leads to the termination of guarantees of assistance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba%d0%b8%d0%b5_%d1%80%d0%b8%d1%81%d0%ba%d0%b8_%d0%b8_%d0%b2%d1%8b%d0%b3%d0%be%d0%b4%d1%8b\"><\/span>What are the risks and benefits?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The risk indicator is 3 out of 7, which corresponds to a risk class between low and medium. It allows you to assess the risk level of the ESSEN&#039;CIEL product compared to other products. This indicates the likelihood that this product will incur losses in the event of market fluctuations or our inability to pay you.<\/p>\n<p>The total amount of contributions payable over the life of the contract may exceed the amount of capital that would be payable on death if<br \/>\nthe life of the insured exceeds the life calculated by the insurer.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2618\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/4-2.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/4-2.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/4-2-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/4-2-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/4-2-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/4-2-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<p>We have classified this product as a risk class 3 out of 7, that is, a risk class between low and medium. In other words, the potential losses associated with future product performance are low to moderate and, should markets deteriorate, our solvency would not be likely to be affected.<br \/>\nHowever, you may benefit from a consumer protection system (see section \u201cWhat happens if AXA France Vie cannot make payments?\u201d). The indicator shown above does not take this protection into account.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a7%d1%82%d0%be_%d0%bf%d1%80%d0%be%d0%b8%d0%b7%d0%be%d0%b9%d0%b4%d0%b5%d1%82_%d0%b5%d1%81%d0%bb%d0%b8_axa_france_vie_%d0%bd%d0%b5_%d1%81%d0%bc%d0%be%d0%b6%d0%b5%d1%82_%d0%bf%d1%80%d0%be%d0%b8%d0%b7%d0%b2%d0%b5%d1%81%d1%82%d0%b8_%d0%bf%d0%bb%d0%b0%d1%82%d0%b5%d0%b6\"><\/span>What happens if AXA France Vie is unable to make a payment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the event of an insurer&#039;s default, there is the Guaranty Guarantee Fund (FGAP), which intervenes in the ACPR&#039;s decision by notifying the defaulting insurer and which is responsible for paying damages for all insurance or capitalization contracts entered into with that insurer. In this case, the subscriber or beneficiary is paid a benefit up to \u20ac70,000 in the event of death.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba_%d0%b4%d0%be%d0%bb%d0%b3%d0%be_%d1%8f_%d0%b4%d0%be%d0%bb%d0%b6%d0%b5%d0%bd_%d0%b4%d0%b5%d1%80%d0%b6%d0%b0%d1%82%d1%8c_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82_%d0%b8_%d0%bc%d0%be%d0%b3%d1%83_%d0%bb%d0%b8_%d1%8f_%d1%81%d0%bd%d1%8f%d1%82%d1%8c_%d0%b4%d0%b5%d0%bd%d1%8c%d0%b3%d0%b8_%d1%80%d0%b0%d0%bd%d1%8c%d1%88%d0%b5_%d0%b5%d0%b3%d0%be_%d0%be%d0%ba%d0%be%d0%bd%d1%87%d0%b0%d0%bd%d0%b8%d1%8f\"><\/span>How long should I keep the contract and can I withdraw money before it ends?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Recommended retention period<\/strong>: until the death of the insured<\/p>\n<p><strong>Cancellation period<\/strong>: You can cancel your membership free of charge within 30 calendar days from the date you are notified that the contract has been signed.<\/p>\n<p><strong>Recommended retention period<\/strong>: The purpose of the contract is to guarantee, in the event of the death of the insured, the payment of capital intended to finance his funeral to the designated beneficiary. It is therefore advisable to maintain the contract throughout its life to benefit from the full guarantees of the contract.<\/p>\n<p>Possible consequences of terminating the contract before the death of the insured: You can request a refund of your premiums at any time. The refund amount is calculated based on the length of your membership, the number of contributions and the amount of guarantees. If returned within the first 10 years of membership, a penalty will be charged and will be applied to the refund amount. This penalty is 5% of the redemption price in the first year of membership, then reduced by 0.5% per year. After the tenth year it is zero.<\/p>\n<p>If you are interested in this solution, please contact me, I will be happy to help you purchase it.<\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-zapisatsya-na-konsultaciyu\" target=\"_blank\" rel=\"noopener\" href=\"https:\/\/calendly.com\/olga-rouzade\/15-minut-k-business-mechte?utm_source=site&amp;utm_medium=MaxButtons&amp;utm_campaign=rdv-calendly\"><span class='mb-text'>Sign up for a consultation<\/span><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>ESSEN&#039;CIEL lasts a lifetime and ends with the death of the insured, but also in the event of termination or complete abandonment of the contract. Find out the details.<\/p>","protected":false},"author":1,"featured_media":2616,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[366],"class_list":{"0":"post-1689","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-finance"},"acf":[],"yoast_head":"<title>\u0421\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 \u0436\u0438\u0437\u043d\u0438 \u043f\u043e \u043a\u043e\u043d\u0442\u0440\u0430\u043a\u0442\u0443 ESSEN&#039;CIEL \u043d\u0430 Rouzade.com<\/title>\n<meta name=\"description\" content=\"\u041f\u0440\u043e\u0434\u0443\u043a\u0442 ESSEN&#039;CIEL \u0432\u044b\u043f\u0443\u0441\u043a\u0430\u0435\u0442\u0441\u044f \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0435\u0439 AXA. \u0423\u0437\u043d\u0430\u0439\u0442\u0435 \u0432\u0441\u0435 \u0440\u0438\u0441\u043a\u0438 \u0438 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