Full [Life] Balance & Protect

Insurance protection and investment perspective in one program.

Full [Life] BALANCE & PROTECT is a periodic premium insurance-investment program that combines investment options with the possibility of life insurance protection. It was designed for those who want to gradually build capital with a long-term horizon, while also having the option of additional coverages for themselves and their loved ones.

2 investment options

The interested client can choose between the Balance or Protect options, depending on their profile, time horizon and investment approach.

Suitability assessment

A necessary step is the completion of a suitability assessment questionnaire, so that the selected option is connected to the client’s needs and profile.

Investment management

The investment is managed by BNP Paribas Asset Management France, an investment firm with international presence and market experience.

Important notice: this is a Unit Linked insurance-investment program, without guaranteed maturity value or guaranteed return. The value of the investment may increase or decrease and the final choice must be made after full information about the terms, risks and charges.

Who is it for?

The program is intended for clients seeking a long-term savings and investment perspective, understanding that returns are not guaranteed and are linked to investment risk.

Suitable for clients who:

Have dependent family members and are interested in life insurance coverage.
Wish to gradually build capital through periodic payments.
Have a long-term investment horizon, usually over ten years.
Want to support future plans, such as children’s studies, purchases or supplementary retirement income.
Understand the risk-return relationship that applies to investment products without guaranteed returns.

Program strengths

Flexibility between the Balance or Protect options.
Option to add insurance coverages that match the client’s lifestyle.
Maturity bonus, from 1.5% for a ten-year duration up to 3% for a twenty-year duration, according to the program terms.
Option to receive the maturity amount either as a lump sum or through monthly payments.
Option for extraordinary payments once per year, according to the policy limits.

Technical characteristics of Full [Life] Balance

The Balance option is linked to Lifecycle investment funds of the BNP Paribas Perspectives series. The policy duration is selected within a long-term framework and the program does not provide a guaranteed maturity value.

Unit Linked insurance-investment program with regular premium payments.
Minimum policy duration of 10 years and maximum duration of 20 years.
Connection to investment funds depending on the selected duration.
After the maturity date of the main investment part, transfer to a more conservative investment part is provided until the policy ends.

Partial or full surrender after the completion of the first year may result in significant losses, especially during the first years. For this reason, the long-term nature of the program is emphasized.

Would you like to see if it matches your profile?

We can discuss your goals, time horizon and protection needs, so that proper and responsible information can be provided.

Book an appointment

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