Individual clients Savings & Pensions
Sogécap*, through the Société Générale network and through external partners, offers a complete range of savings solutions to meet the varying requirements of its clients.
*Sogécap is the life insurance company of the Société Générale Group in France, It is, moreover, the parent company of the local offices of Société Générale Insurance (subsidiaires or branches) outside France.
Société Générale retail banking network
Our range of products
Our range of life insurance policies has been designed to adapt to our clients and their changing personal circumstances. Each policy has its own special features but they are all built on a common base that offers the following three benefits:
- The possibility of saving using various asset management strategies depending on your personal ambitions (free management, retirement planning, delegated management)
- The widest possible choice of financial solutions together with a Secure fund in euros, renowned for its solidity
- Flexible policy administration and safe transmission of wealth to inheriting beneficiaries through extra policy clauses included in coverage.
Zoom in on
Ebene
A top-of-the-range policy designed for wealth management
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- Provides an opening onto the many different financial markets through a comprehensive financial offering and access to leading asset management companies outside the Société Générale group
- Extremely flexible so as to provide tailor-made support and the possibility of constructing special wealth management arrangements
- Policy administration is backed up by a series of innovative services
- Includes coverage clauses that enable smooth and trouble free transmission of wealth
Read more by going to the Société Générale website for individual clients (French site)
Séquoia
A benchmark life insurance product
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- One of the most modern and comprehensive policies on the market today and which enables you to put in place customised investment strategies using a palette of more than 80 eligible investment funds.
- Protection for your savings has been reinforced with supplementary covers automatically included in the policy
- A wide range of innovative savings management services are built in to give customised support
Read more by going to the Société Générale website for individual clients (French site)
Erable Evolutions
A “general public” product that is simple and easy to start off
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- Available from 50 euros a month by automatic direct debit
- Offers various asset management packages including “retirement planning” mode for optimum pension provision
- Offers personal protection and death benefit covers that take the worry out of saving
- Includes a “Junior” option to give children and grandchildren a taste for saving.
Read more by going to the Société Générale website for individual clients (French site)
PERP Epicéa
And for your partner: Epicéa popular retirement savings plan (PERP)
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- The Épicéa “PERP” plan is a flexible way to build up extra income for retirement (two savings management options are on offer with a wide range of investment funds)
- On retirement, the savings build-up triggers payment of extra income that is guaranteed for life (4 income payment solutions are available depending on the client’s personal circumstances)
- Immediate tax concessions: payments into the policy are deductible from net taxable income up to the levels laid down by law.
Read more by going to the Société Générale website (French site)
Sogécapi Patrimoine and Ebène Capitalisation
Our Sogécapi Patrimoine and Ebène Capitalisation policies are eligible for the specific tax advantages linked to savings policies
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- Accumulated interest is not subject to wealth tax (Impôt de Solidarité sur la fortune),
- The policy may be passed on during the insured’s lifetime or in the event of death without interrupting the age of the policy for tax purposes.
External Partners (outside SG group)
Sogécap distributes a complete range of solutions specially designed for Independent Wealth Management Consultants and distribution platforms via its life insurance and savings subsidiary: Oradéa Vie.
Read more on the Oradéa Vie web site.