Transfer via life insurance

Strengthening research, today and tomorrow

Life insurance is a savings tool recognized for its flexibility and tax advantages.
It is also a a simple and powerful way to support research and prevention by designating the Pasteur Institute of Lille as the beneficiary of all or part of your contract.

By choosing the Pasteur Institute of Lille, you are transforming your savings into a sustainable commitment to public health, serving future generations.

Why choose life insurance?

Life insurance allows you to:

to build and grow savings within an advantageous tax framework,
to maintain control of your capital throughout your life,
transferring capital outside of inheritance, subject to certain conditions.
supporting a recognized public-benefit foundation, exempt from transfer taxes.

This is a particularly suitable solution if you wish act without changing your current asset management structure, while giving meaning to your savings.

An effective lever to support research

A private foundation recognized as a public utility since 1898, the Pasteur Institute of Lille is totally exempt from inheritance tax.

It means that 100% of the capital transferred Life insurance is dedicated to our missions:

understanding diseases,
develop prevention,
transforming research into concrete solutions for health.

Your commitment directly contributes to accelerating scientific discoveries and strengthening the independence of research.

How does life insurance inheritance work?

You can, at any time, modify the beneficiary clause of your contract and designate the Pasteur Institute of Lille as the beneficiary:

for the entire capital,
or only in part.

This process is simple and is done directly with your insurer or advisor.

When taking out a life insurance policy, you simply need to indicate the Pasteur Institute of Lille as the beneficiary, in whole or in part.

Our teams can assist you in formulating the beneficiary clause clearly and in accordance with your wishes.

Advantageous taxation

Life insurance benefits from a specific tax framework, distinct from the classic rules of inheritance.

According to :

the date the contract was signed,
the subscriber's age,
the amounts transmitted,

The applicable tax system can be very favorable.

Our teams do not replace your notary or advisor, but they can help you to guide and work in conjunction with them, in complete transparency.

A flexible approach, respectful of your choices

Choosing life insurance means:

retain the freedom to use your savings,
to be able to make partial or total withdrawals,
adjust your commitment over time,
transmit according to your values, without immediate constraints.

Transmission is first and foremost a personal approach.
Our role is to inform you, support you, and respect your decisions.

Get support

Would you like to discuss your life insurance inheritance planning project in complete confidentiality?
Our teams are ready to listen to you, without obligation.