Traduction de «Assurance vie entière à prime unique » (Français → Anglais) :

As I indicated in my prepared remarks, the mechanism that reduces competition, of course, is once you start moving the commodity-type products away from the industry and into the banks, you reduce the capacity of the industry to compete, because there's a lot of volume in those commodity products, such as term insurance, and the revenue that is generated there allows us to build the systems, the underwriting capability, the claims-paying capability, that allows us to do the more complex type of business, whole life and annuity busines ...[+++]s.

An amount paid out solely in respect of death, disability or illness shall not be considered to be a benefit from a life insurance contract.

In the interests of the party insured, every insurance policy should guarantee for a single premium, in each Member State, the cover required by its law or the cover required by the law of the Member State where the vehicle is normally based, when that cover is higher.

EUROPA - EU law and publications - EUR-Lex - EUR-Lex - 62009CA0236 - EN - Case C-236/09: Judgment of the Court (Grand Chamber) of 1 March 2011 (reference for a preliminary ruling from the Cour constitutionnelle (Belgium)) — Association Belge des Consommateurs Test-Achats ASBL, Yann van Vugt, Charles Basselier v Conseil des ministres (Reference for a preliminary ruling — Fundamental rights — Combating discrimination — Equal treatment for men and women — Access to and supply of goods and services — Insurance premiums and benefits — Actuarial factors — Sex as a factor in the assessment of insurance risks — Private ...[+++]life assurance contracts — Directive 2004/113/EC — Article 5(2) — Derogation not subject to any temporal limitation — Charter of Fundamental Rights of the European Union — Articles 21 and 23 — Invalidity) // Judgment of the Court (Grand Chamber) of 1 March 2011 (reference for a preliminary ruling from the Cour constitutionnelle (Belgium)) — Association Belge des Consommateurs Test-Achats ASBL, Yann van Vugt, Charles Basselier v Conseil des ministres // (Case C-236/09) - ( // (Reference for a preliminary ruling - Fundamental rights - Combating discrimination - Equal treatment for men and women - Access to and supply of goods and services - Insurance premiums and benefits - Actuarial factors - Sex as a factor in the assessment of insurance risks - Private life assurance contracts - Directive 2004/113/EC - Article 5(2) - Derogation not subject to any temporal limitation - Charter of Fundamental Rights of the European Union - Articles 21 and 23 - Invalidity)

— life and health underwriting: the unisex rule means that premiums and benefits cannot be different between two individuals for the same insurance policy simply because their gender is not the same.

3. By way of derogation from the preceding paragraphs, the identification requirements with regard to insurance policies written by insurance undertakings within the meaning of Council Directive 92/96/EEC of 10 November 1992 on the coordination of laws, regulations and administrative provisions relating to direct life assurance (third life assurance Directive)(14), where they perform activities which fall within the scope of that Directive shall not be required where the periodic premium amount or amounts to be paid in any given year does or do not exceed EUR 1000 or where a single premium is pai ...[+++]d amounting to EUR 2500 or less.