Document sans titre
Document sans titre
Capital Studies is a life insurance contract that allows you to build savings remunerated in order to prepare for higher education of your children. The contract is doubled life insurance or disability absolute and final (IAD), which guarantees to the beneficiaries the payment of the savings made, plus a capital death / TPD. This contract guarantees: The payment of a term-certain annuity to the beneficiary designated by the contract in case of death or disability, the absolute or final payment of The capital sum saved with an attractive remuneration at the end of the term of the contract

Eligibility
Any natural person whose age is between 21 and 55 years of age, holders of accounts common to view can subscribe to this insurance contract. Pay The minimum guaranteed interest rate is 3.5%/year. A profit participation is available from the first year of the contract. At the end of the term of the contract, you may have a capital saved plus interest Duration on The duration of contributions is left to your choice with a minimum of 5 years. Contributions The contribution is left to your choice with a minimum of 15 000 FCFA/ month. Pension in case of death or disability, the Absolute Final at the conclusion of the contract, you define the amount of capital to be allocated according to three possible choices : 500 000 1 000 000 2 000 000 In the event of a claim, the amount selected is paid, in addition to the capital saved, over a period of 5 years to the beneficiary designated by the contract. Possibility of partial or total repurchase Option to repurchase part or in total (possible after 24 actual contributions)

Savings at your own pace You will save money with a minimum amount of 15 000 FCFA You can make exceptional payments of a minimum amount of 100 000 FCFA majorables per 100 000 FCFA double guarantee A funded pension guarantee in the event of death or Disability Absolute and Final (IAD) An attractive remuneration Your contract is paid up to 5% per year of credit opportunities You can pledge your contract for your credit applications
Eligibility Can subscribe to PER any individual holder of an account to view , who are between 18 and 50 years of age and resident in the Ivory Coast. Duration of the contract 10 years and is renewable How is your retirement ? You can make minimum payment in the amount of 15 000 FCFA per month with a maximum of 150 000 FCFA per month. You also have to make special payments of a minimum amount of 100 000 FCFA majorables in increments of 100 000 FCFA. These payments are your account PER Your account is paid at the rate of the guaranteed minimum 5% per year. What happens in the event of death or disability absolute and final ? In case of death during the period of contributions, the heirs will receive the remaining capital to save the day of the disaster. In the case of IAD during the period of contributions, the participant receives the remaining capital to save the day of the disaster. How to take advantage of your capital ? The term of the contract, you will be able to : Be to request the immediate payment of the principal amount plus accrued interest. or defer the repayment of capital ; in this case the capital saved will continue to earn interest. What happens if I decide to stop the contract before the 10 years ? If you decide to break your contract before the term of 10 years, you will have to pay penalties on the capital saved according to the following terms and conditions : before two years of age : 10% penalty between 2 and 4 years : 7% between 4 and 6 years : 5% between 6 and 8 years : 3% between 8 and 10 years old : 2% Tax bank interest is subject to tax on income and social contributions.