|
|
Shared life annuity
vitalimmo |
Traditional OTC Life Annuity |
|---|---|---|
| Acquirer | Institutional investor
(Dedicated fund) |
Individual |
| Selling deadlines | Less than 6 months | Often longer than 18 months |
| Capital paid on a fee-for-service basis | Single sum " bouquet + annuity " due during the seller's life expectancy |
"Bouquet" insured and negotiated by an individual |
| Life annuity | Optional
Served by an insurance company Indexation generally more generous than inflation Several possible options (reversion, partial alienation of capital, long-term care coverage) |
Imposée
Taxed Insured and negotiated by an individual Inflation indexing Rescission action |
| Early release | Supplementary capital | Increase in annuity |
| Relationship with the acquirer | Security, Service, quality control of the occupied property
vitalimmo |
Intuitu personae relationship with an individual who has an interest in paying as little as possible |
| Assistance | Yes SILVER ALLIANCE | No |
