Withdrawing from your life insurance policy
The two clocks that cross — eight years of seniority and 150 000 € of premiums across every policy —, the pro-rata that makes a 20 000 € withdrawal taxable on only 5 454 €, and the annual allowance that expires every year. Three modules on a 110 000 € policy. All the prose is free to read; the case study and quizzes are sold.
Advanced3 modules25 minModule 1 free to read
2026 rules — verified on September 8, 2026
Figures are tied to dated, sourced tax constants. A module whose rules have changed is flagged for review, and is unpublished automatically beyond 90 days.
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By the end of this course, you can…
These outcomes are the modules' own: the promise cannot say anything the course does not teach.
- Place the eight-year threshold and what it changes about the rate.
- Remember the 150 000 € premium threshold and the rate it triggers.
- Tell apart the rate applying to premiums paid before 27 September 2017.
- Remember the social levy rate specific to life insurance.
- Identify the cases in which income is wholly exempt.
- Apply the pro-rata formula between capital and income on a partial withdrawal.
- Remember the annual allowance by family situation.
- Know which base the allowance reduces, and which it does not.
- Compute the full cost of a partial withdrawal, tax and social levies.
- Measure the gap between the headline rate and the effective rate of the withdrawal.
- Use the annual, non-carried-forward nature of the allowance.
- Compare the cost of a full surrender with that of a staggered exit.
- Claim the exemption from withholding within the deadline.
- Watch the 150 000 € threshold assessed across all policies.
- Know what a full surrender closes for good.
The programme, module by module
Each module has its own page. Durations are derived from the actual text, never announced by hand.
- Module 19 minFree — no accountEight years, with a 150 000 € threshold on topWhat you will be able to do
- Place the eight-year threshold and what it changes about the rate.
- Remember the 150 000 € premium threshold and the rate it triggers.
- Tell apart the rate applying to premiums paid before 27 September 2017.
- Remember the social levy rate specific to life insurance.
- Identify the cases in which income is wholly exempt.
- Module 29 minIncluded in the full courseTaking out 20 000 € is not cashing in a 20 000 € gainWhat you will be able to do
- Apply the pro-rata formula between capital and income on a partial withdrawal.
- Remember the annual allowance by family situation.
- Know which base the allowance reduces, and which it does not.
- Compute the full cost of a partial withdrawal, tax and social levies.
- Measure the gap between the headline rate and the effective rate of the withdrawal.
- Module 38 minIncluded in the full courseStagger, claim the exemption, watch the aggregateWhat you will be able to do
- Use the annual, non-carried-forward nature of the allowance.
- Compare the cost of a full surrender with that of a staggered exit.
- Claim the exemption from withholding within the deadline.
- Watch the 150 000 € threshold assessed across all policies.
- Know what a full surrender closes for good.
What you take away
A handout you keep, not just a page you read. The sections are derived from the course itself: what is announced here is exactly what gets generated.
Participant handout (PDF)
PDF
- Learning objectives (3)
- Key figures (2)
- Mistakes to avoid (3)
- Official sources (3)
Exercise workbook (Word)
Word
- Learning objectives (3)
- Key figures (2)
- Mistakes to avoid (3)
- Official sources (3)
Answers live in a separate appendix: the participant handout and the workbook stay distributable before the exercise.
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Educational content, current with the sources cited. It does not replace advice tailored to your situation. These courses are neither certifying nor CPF-eligible: they prepare for no certification registered with the French RNCP or specific register.