Wrong contract, default allocation, non-optimised beneficiary clause: 80% of French life insurance policies are under-utilised. Véloci helps you turn yours into a real wealth management tool.
Understanding the mechanics to make the right wealth decisions.
After 8 years, withdrawals benefit from an annual allowance and a reduced tax rate of 7.5% instead of 30%.
Capital transferred via life insurance avoids inheritance tax up to €152,500 per beneficiary — a major estate planning lever.
Life insurance combines security (guaranteed euro funds) and performance (investment units: equities, property, private equity).
Not all life insurance contracts are equal. Entry fees (up to 5%), high management fees and a limited investment universe can significantly erode performance over 20 years. An wealth advisor selects the best platforms for you without any conflict of interest.
Full analysis of your existing policy: fees, performance, allocation, beneficiary clause and tax treatment.
Defining an allocation tailored to your risk profile, time horizon and inheritance objectives.
The same standard, whatever the product: the best quality on the market, chosen for you.
Véloci neither designs nor sells in-house products. Through open architecture, we select the best solutions on the market for you, with no imposed catalogue and no quota, so we have no reason to steer you toward one over another.
Only approved, recognised partners (leading insurers and asset managers), chosen for their strength, the quality of their management and their net-of-fees performance over time.
A single point of contact who follows you at every stage of your financial life, from saving to transmission. A lasting relationship, not a one-off sale.
Full transparency (Engagement Disclosure Document), interests aligned with yours, clear guidance and availability. We aim for the best net-of-fees performance over time, not the lowest headline fee.
