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MasterLife Insurance Contract

Master life is the policy designed to protect your dear ones in the event of death and preserve your standard of living in case of a total temporary disability to work or invalidity.

A flexible modular policy:

With Master Life, you freely determine(1):

  • Your beneficiaries: spouse, children, grandchildren, etc.
  • The basic cover: the amount of cover guaranteed in the event of death and of complete and irreversible loss of autonomy (PTIA/CILA)
  • The other optional complementary benefits

The Master Life policy in detail


The policyholder is the private individual or legal entity that pays the premiums and has applied for MASTER LIFE cover, selects the policy's features, names the beneficiary(ies) in the event of death, Complete and Irreversible Loss of Autonomy, or Permanent Disability, or Total Temporary Occupational Disability. The insured is the person being covered against the risk (PTIA/CILA cover or death), who must be between 18 and 70 years old inclusive and may be different from the policyholder.


Any individual(s) or legal entity(ies) freely named by the insured in the policy application.


One year, renewable by tacit agreement from one year to the next.
Age limit to benefit from this cover:

  • Death: 80 years old
  • Total and Irreversible Loss of Autonomy: 65 years old
  • Permanent Disability > of 66%: 60 years old
  • Permanent Disability > of 33%: 65 years old
  • Total Temporary Occupational Disability: 65 years old

The level of disability can only be determined precisely by an expert medical assessment.

Medical formalities

No medical examination required(2) if you are under 56 years old and your amount of life cover is less than €200,000.


Basic cover: death and PTIA/CILA.
The other optional complementary benefits:

  • doubling of the death and PTIA/CILA benefit lump sum in the event of an accident,
  • exoneration from having to pay premiums in case of time off from work as of the 91st day,
  • daily subsistence allowance that ensures substitution income in the event of Total Temporary Occupational Disability,
  • cash lump sum benefit in case of Permanent Disability equal to or greater than 66%, or a lifetime disability benefit in case of Permanent Disability equal to or greater than 33%.

The level of disability can only be determined precisely by an expert medical assessment.


You can set the amount of the Life cover without any cap(3), with contracting possible up to the age of 70, and permitting cover until the age of 80.


The cash lump sum is free of any income tax, social contributions, and inheritance taxes, except in the case of a lifetime disability benefit. Any legislative or regulatory measure that would have the effect of changing all or part of the tax treatment under this contract is applicable as soon as it comes into force.

Cost of insurance

Your premium reflects the risks being covered and is adapted to your lifestyle.
The amount of your annual premium for life cover depends on:

  • your age,
  • the amount of cover selected,
  • your state of health at the time you take out the cover,
  • because of the fact you are a smoker or a non-smoker (up to 47% less for non-smokers(4))


  • (1) Under the terms, conditions, and limits of the cover taken out, in accordance with the policy clauses and conditions.
  • (2) Statement by the Individual to be Insured without any medical examination, subject to approval under the standard terms and conditions.
  • (3) Subject to approval.
  • (4) Solely within the framework of the cover for death and PTIA/CILA and Permanent Disability of 66%.
  • Barclays Courtage SAS, a simplified joint stock company with share capital of €37,000, whose registered office is located at 183 avenue Daumesnil, 75012 Paris, registered with the Paris registre du commerce et des sociétés under number RCS Paris B 380 972 836. Insurance intermediary registered with the ORIAS Register (www.orias.fr): n° 07004420.
  • Master Life is a group life insurance contract that is optional and governed by Articles L 132-1 and the following, along with L 141-1 of the French Insurance Code (you have a 30-day free look in compliance with the Insurance Code), temporary death benefit corresponding to the following insurance transactions category (Article R321-1 of the Insurance Code): branch 20 Life death benefit, branch 1 Accidents, branch 2 Illness contracted by the ANPERE (Association Nationale pour la Prévoyance, l'Epargne et la Retraite - national prudential, savings and retirement association) located at 88, rue Saint Lazare - 75009 Paris from AXA France Vie, a life insurance company whose registered office is located 26, rue Drouot, 75009 Paris. AXA France Vie S.A., a public limited company with share capital of €487,725,073.50 - Paris R.C.S. register n°310 499 959. Master Life is a trademark registered by AXA France Vie.