RETRAITE COMPLÉMENTAIRE cover allows you to help your employees build up capital for their retirement. In the event of death or total and definitive disability before the contract expires, a capital equal to the savings created and revalued will be paid to the beneficiary.
You fill and sign a subscription proposal accompanied by the list of savers (with first name, surname name, date of birth and the amount saved each month). No medical screening is made.
The contract takes effect no later than 15 days after payment of the first premium. The effective date is specified in the specific conditions of the contract. The recommended duration for each saver is the number of years before their retirement.
Your contract is funded by regular payments financed by the members of the group (via monthly deductions from wages for example), in whole or in part (in the latter case, the employer can for example supplement the payments of employees).
Your savings are made up of all the payments increased each year by income produced in respect of participation in technical (up to 90%) and financial (up to 85%) profits made by ACAM Vie. For information, the expected revaluation rate is at least 3.50% net.
From the end of the first year of the contract, you can request on behalf of a saving member by letter for a withdrawal of part or all of the savings made. Only the total surrender terminates the contract. Compliance with a longer term of 8 years makes it possible not to apply redemption fees (equal to 5% from the second year decreasing thereby equal to 0% after the eighth year of the contract).
Payment for any service (partial or total redemption, expiry of the contract) is made within 48 hours after submission of the supporting documents required for payment.
The guaranteed capital at a given date is equal to the sum of the contributions net of costs on payments plus profit- sharing and any partial redemptions and unpaid advances.
The charges included in the premium or on the revaluation of the savings acquired are as follows: ·
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ACAM Vie, est une Société Anonyme (S.A.) au capital social de 3 900 000 000 Francs CFA (Intégralement libéré). ACAM Vie S.A. est régie par le Code des assurances, agréée par le Ministère des finances de la République du Cameroun (arrêté 00607 MINFI du 9 novembre 2016). ACAM Vie S.A. a pour mission d’offrir un service à haute valeur ajoutée et de moderniser le secteur de l’assurance en Afrique subsaharienne francophone.
