AFER life insurance contract Performance of AFER funds Life insurance taxation Life insurance advice Subscribe to the AFER contract AFER Dependency contract Contact us Membership area Epargne Actuelle-AFER Correspondent, 1st distributor of the AFER contract in France The AFER contract over 125 awards With more than 125 distinctions since its creation in 1976 (including 9 awards in 2014) awarded by specialists in the economic and financial press, the AFER life insurance contract is recognized for its performance and the quality of its management . AFER awards AFER life insurance the ideal placement Are you looking for an efficient and secure investment to enhance your savings? The AFER life insurance contract offers favorable taxation . Opt for AFER, the life insurance reference , in savings and retirement ... AFER advantages AFER news Discover the new range of investment vehicles for the AFER life insurance contract ... Read AFER news AFER Dependency An insurance in case of partial or total dependence. Discover Questions answers The answers to your questions about life insurance and the AFER life insurance contract. See the questions TO RECEIVE AFER documentation okay CONTACT your AFER advisor okay BE RECALL Callback request okay SUBSCRIBE to the newsletter okay Epargne Actuelle, 1st distributor of the AFER contract Who are we ? Contact us Recruitment Sitemap Legal Notice Claim AFER life insurance AFER life insurance Receive AFER life insurance documentation Subscribe to the AFER life insurance policy AFER contract news Life insurance questions / answers Life insurance glossary AFER Long-Term Care Insurance AFER Dependency contract Receive AFER Dépendance documentation Advantages of the AFER Dependance contract How the AFER Dependency contract works Exclusive partnership between the AFER association and ORPEA Dependency lexicon Current Savings - AFER Correspondent, life insurance specialist Epargne Actuelle specializes in the distribution of the AFER multi-support life insurance contract , with more than 45 AFER Correspondent branches throughout France. The different options of the AFER life insurance contract The AFER Handicap Savings contract The AFER life insurance contract is open to the subscription of a Handicap Savings contract with an effective duration of at least 6 years. This life insurance contract can only be taken out by a disabled person who cannot engage in a professional activity under normal conditions. The AFER Epargne Handicap contract thus allows disabled policyholders to benefit from a tax reduction equal to 25% of the amount of the premiums, up to a limit of 1,525 euros per year, as well as a partial exemption from social security contributions in the event of redemption. PEP transfer The PEP (Popular Savings Plan) allows long-term savings to be built up within a flexible legal framework as well as the payment at the end of a capital or a life annuity under favorable tax conditions . Indeed, after 8 years, the retirement pension is not taxable and redemptions are exempt from taxation . In addition, at the end of the 8 years, the capital paid by the member is guaranteed by the insurer. Today, it is no longer possible to subscribe to a Popular Savings Plan, but it is still possible to transfer a PEP from another establishment to AFER.