Annuities

Life annuity

Name: Life annuity
Brand: Occident

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What makes our life annuity insurance different

Taking out one of the Occident annuity insurance plans is the perfect option to transform your savings into a monthly income and thus guarantee your economic peace of mind in the future. Complement your pension when you retire and benefit from advantageous tax benefits.

Flexibility

Choose the type that interests you most, depending on the duration, benefits...

Peace of mind

It guarantees the protection of your loved ones by adding capital in the event of death.

Complement

With your income insurance, you will have extra money each month on your salary or pension.

Zero risks

Enjoy a guaranteed interest for your money without taking any unnecessary risks.

Taxation

You will receive tax benefits, in accordance with the current legislation.

Taxation of life annuity insurance

Taxation

The taxation of annuity insurance varies according to its modalities:

In the case of temporary income, the taxation of the annuity insurance depends on the length of time you decide to receive your income.
In the case of life annuities, tax exemptions are determined according to the age of the insured party when taking out the insurance.

If the insured person passes away, the amounts payable to the beneficiary are subject to taxes on inheritances and donations.

Types of life annuity insurance we offer

The life annuity is paid monthly while the insured person is living. It also allows you to take out a capital sum for death.

This is an income that the insured person will receive monthly while they are alive. If they die, the designated beneficiary will continue to receive the amount until ten years have elapsed from the date the insurance was taken out.

Income with monthly payments while the insured person is living. If they die, a percentage of, or the full income will go to the designated beneficiary until their death.

With this type of annuity insurance monthly the insured party will receive a monthly income for a maximum period of 10 or 20 years, according to the type they have taken out.

It provides a monthly life annuity and in the event of the insured party's death, the beneficiaries receive the single premium paid plus an additional capital. The redemption value varies according to the product taken out.

Services included in our income insurance

Courtesy service

A lawyer when you need one most

Resolve any legal matter that may arise in your private or family life.

24 hours a day, 365 days a year.
No limit on consultations.
Social Security administration procedures and claims for Social Security benefits.

Go to Legal advice helpline

Courtesy service

A doctor at your disposal 24 hours a day

We put you in contact with a professional by telephone or video call to answer any health-related query you may have.

At any time of the day, wherever you are.
Immediate attention, with no waiting lists.

Go to Telephone medical advice

FAQs

Annuity insurance works by means of a single contribution without the possibility of making additional contributions.

To a broad public, as it responds to different situations:

Seniors: they allow you to complement your retirement pension while maintaining your standard of living.
Benefits for early retirement or stopping work: they contribute a fixed income until retirement is reached.
Beneficiaries of other life or accident insurance: they immediately guarantee the monthly payment of an income.

FAQs

Life annuity

What makes our life annuity insurance different

Flexibility

Peace of mind

Complement

Zero risks

Taxation

Taxation of life annuity insurance

Taxation

Taxation

Types of life annuity insurance we offer

Essential Life Annuity

Essential Guaranteed Life Annuity

Essential Reversible Life Annuity

Essential temporary income and Essential reversible temporary income

Prime Income and Elite Income

Services included in our income insurance

Legal advice helpline

Telephone medical advice

A lawyer when you need one most

A doctor at your disposal 24 hours a day

FAQs

What are my options with respect to the contributions?

Who is this type of annuity insurance aimed at?

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