A personalized service of wealth planning and inheritance through the use of private insurance products of leading Italian and EU insurance institutions. The offer consists of Class I, Class III and Multi-class policies to seize the opportunities of market and tax and asset optimization.
Thanks to the partnerships with leading insurance institutes, Ersel offers:
Ersel, in partnership with CNP Partners, a company in the leading European group in the life insurance sector, CNP Assurances S.A., offers two new and exclusive financial-insurance products to its private customers: CiiS Gold and CiiS Platinum.
CNP investment insurance Solution (CiiS) is a flexible and versatile multi-class policy that covers customers over time, offering them a different method of insurance by combining the security of traditional insurance products (Class I) with the return opportunities of Unit-Linked products (Class III). CiiS makes it possible to structure a personalised and flexible offer which is perfectly suited to the customer’s requirements over time, also thanks to a series of options that can be triggered in response to the evolution of the customer’s needs.
CiiS allows customers to invest, based on their objectives and risk profile which varies over time, in a mix of the following solutions (1):
All investment solutions the customer needs in just one subscription, with the advantages of a life policy.
Customers gain access to a financial-insurance solution that combines the features of a financial investment with the benefits of insurance policies.
Customers receive the investment solution most suited to their risk profile and saving style.
The investment may evolve over time based on changing customer needs; in fact, additional payments can be made, and it is possible to change your investment at any time through switching.
The insurance-financial solutions available allow diversification by risk, market, asset class and managers.
CiiS is the multi-class policy that offers a high level of financial diversification and a broad multi-manager choice.
(1) CNP investment insurance Solution does not offer any guarantee of reimbursement of the premium paid or minimum return on the financial investment, excluding Class I options for which the company guarantees the sums invested. The investment mainly presents financial risks attributable to possible fluctuations in the value of units of mutual investment funds or the shares of SICAVs subject to investment. The fluctuations depend, for example, on the trend in the markets and the nature of the underlying financial instruments. The investor may, both during the contract or at the time of disinvestment, receive a lower amount of capital than that originally invested; this possibility is even more likely the higher the level of risk of the pre-selected allocation.
(2) The beneficiary of the death benefit can be freely nominated, also outside of the estate, ensuring the right of privacy of the designated beneficiaries (based on art. 1920 of the Italian Civil Code).
(3) In the event of death of the policyholder, income taxes do not apply on the part relating to coverage of demographic risk (as set out in art. 34, last paragraph, of Italian Presidential Decree no. 601/73). In addition, the benefit is excluded from inheritance tax (based on art. 12, paragraph 1 letter c) of Legislative Decree no. 346/1990). The tax treatment may be subject to changes in the future.
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Before accepting, please read the Information Booklet and the Contractual Terms available at the offices of Ersel and the Company. The Information Booklet is also available on the site www.cnppartners.it.
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