Insurance & Wealth Management

A wealth assessment is essential to provide a complete picture of a business owner’s financial situation. This diagnosis enables better asset management, retirement planning and informed investment and transfer decisions.

Financial risks, particularly in the event of unforeseen health problems, are numerous and can threaten assets. We help business owners put in place security measures such as health cover, life insurance and contingency plans to protect their assets and guarantee the security of their loved ones.

Gains accumulated in life insurance are tax-advantaged, especially after eight years of ownership. In the event of inheritance, it offers significant tax allowances for beneficiaries, making it a valuable tool for reducing inheritance tax.

Contingency insurance covers the risks of incapacity, disability and death, guaranteeing a replacement income in the event of unforeseen circumstances. It protects the business owner’s personal and family assets, ensuring financial continuity in the event of a serious event.

By integrating life insurance into a succession strategy, the business owner can distribute the estate equitably among the heirs, even if some of them do not take over the business. This avoids conflicts and smoothes the handover.

Self-employed workers can take out supplementary pension contracts, such as the PER (Plan d’Epargne Retraite), which offer attractive tax benefits. This type of insurance allows you to anticipate a comfortable retirement and structure your long-term wealth management.

Life insurance, combined with a Pacte Dutreil or a holding company, facilitates the transfer of a business by helping to finance inheritance tax. These products also protect heirs and help maintain the company’s stability after the death of the manager.