Traduction de «Garanties supplémentaires assurance-vie » (Français → Anglais) :

(2) Where the premiums for part of the life insurance (in this subsection referred to as the “additional insurance”) under a group term life insurance policy are determined separately from the premiums for the rest of the life insurance under the policy, and it is reasonable to consider that the individuals on whose lives the additional insurance is provided bear the full cost of the additional insurance, the additional insurance, the premiums, policy dividends and experience rating refunds in respect of that insurance, and the amounts paid in respect of that insurance by the individuals whose lives are insured, shall not be taken into a ...[+++]ccount for the purposes of this Part.

That assessment shall be made in relation to the availability of long-term guarantees in insurance products, the behaviour of insurance and reinsurance undertakings as long-term investors and, more generally, financial stability.

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2. In the case of the association of underwriters known as ‘Lloyd's’, asset categories shall also include guarantees and letters of credit issued by credit institutions within the meaning of Directive 2000/12/EC of the European Parliament and of the Council or by assurance undertakings, together with verifiable sums arising out of life assurance policies, to the extent that they represent funds belonging to members.

Under Article L.310-8 of the French Insurance Code, in the case of life assurance contracts, insurance enterprises are asked to provide, in a marketing information sheet, information on the features of the contract, including the contractual definition of the cover provided, the duration of the contract, the method of paying the premiums, the time-limit and procedure for surrendering the contract, the formalities to be completed in the event of a claim, the premiums relating to the principal and supplementary items of cover, the date of marketing and th ...[+++]e minimum guaranteed profit, including the guaranteed interest rate.

In view of the particular importance of an adequate protection for life policyholders a number of additional measures will be introduced as compared to non-life insurance: - the home state can ask for systematic notification of the bases used for the calculation of premiums and technical provisions; - an early warning procedure is foreseen where a host state has reason to suspect that the activities of a company operating on its territory endanger its financial solidity; - the cooling-off period, first introduced by the 2nd Life Directive for policyholders who entered into a contract through free provisions of services, is now extended ...[+++] to benefit all individual policyholders; - in order to guarantee transparency for consumers in a market with an increasing variety of products, companies will be obliged to set out to each policyholder in clear terms the essential elements of a contract before its conclusion and later when changes occur.