AGIPI GUIDE

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CAP Insurance

February 2026

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ARC

• Agipi Borrower
• Agipi Health
• Health

FAR PER

• Retirement

CLER

• Life Insurance

CLEF

• Capitalization

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Table of Contents

• Online Subscription .................................................... 22
• Duty of Advice ............................................................ 26
• Key Points ................................................................. 27
• Mandatory Social Schemes .............................................. 29
• Guarantees ................................................................. 51
• Work Incapacity .......................................................... 51
• Disability / Autonomy Relay ........................................... 58
• Serious Illnesses ........................................................... 65
• Death ........................................................................... 66
• Contribution Calculation ................................................ 69
• Specific Reductions ....................................................... 70
• Taxation ....................................................................... 70
• Madelin Tax Framework ................................................ 70
• Common Law ............................................................... 74
• CAP Partners ................................................................. 77
• CAP Key Person ............................................................ 80
• CAP Personal Protection .................................................. 82
• CAP Group Cabinet Solution .......................................... 83
• CAP Hospital Practitioners ............................................. 85

LCB-FT

• Glossary ................................................................. 2
• Application of LCB-FT Rules ........................................... 3
• Know Your Customer .................................................... 3
• Tax Residence ............................................................. 3
• Identity Document ........................................................ 5
• Capacity ..................................................................... 6
• PEP (Politically Exposed Persons) ................................. 7
• Professions under LCB-FT Vigilance ............................... 8
• KYC and Client Knowledge Update ............................... 9
• Proof of Address .......................................................... 9
• In case of death ........................................................... 10
• Know the source of funds .............................................. 10
• Risk Classification ......................................................... 10
• Triggering Event / Source of Funds ............................... 11
• Enhanced Vigilance and Justifications ............................ 12
• Zoom Donations ............................................................ 16
• Fund Outflows (advance, partial buyback, total buyback) ... 16
• Certificate Models ......................................................... 17
• Verify the Source of Payment ....................................... 18
• Authorized Payer .......................................................... 18
• Payment of Contributions ............................................. 19
• Advice and Controls from ADIS's LCB-FT Service ........ 20
• Missions of the LCB-FT Service and Ethics ................... 20

Table of Contents

1. ADIS Network Ogie ......................................................... 20
2. Impact of Controls and Possible Sanctions ...................... 20
3. Contact ................................................................. 20

Payment Terms for Contributions ................................. 87

Reminder for Non-Payment ........................................... 88

Coverage Note .......................................................... 88

Increase or Decrease of Guarantees .............................. 88

Resumption of Contracts with Competitors ..................... 89

Competition Monitoring ................................................ 89

Termination .............................................................. 89

Address Changes ......................................................... 90

Acceptance ............................................................... 91

Health Professions ......................................................... 91

Liberal Professions, Business Leaders, Employees, Artisans, Merchants .................................................... 92

Specific Pricing .......................................................... 93

Professions Insured for Death Only ............................... 93

Terms for Obtaining Benefits ......................................... 93

In Case of Work Incapacity ........................................... 93

Child Illness Guarantee .................................................. 97

In Case of Disability ..................................................... 97

Document Transmission for All Benefits .......................... 98

CAP (continued)

Online Subscription ...................................................... 100

FSI Borrower Obligation ................................................ 104

Duty of Advice ............................................................ 104

Key Points ................................................................. 105

Different Types of Loans ................................................ 105

Guarantees ................................................................. 107

Guarantees in Case of Death or Total and Irreversible Loss of Autonomy .................................................. 107

Guarantees in Case of Work Incapacity or Total or Partial Disability .................................................. 107

Contribution Calculation ................................................ 110

Pricing on Remaining Capital ......................................... 110

Constant Pricing .......................................................... 110

Flexibility of Guarantees ................................................ 111

Modification of the Loan During Its Life .......................... 111

Non-Smoker Rate Conditions .......................................... 111

Specific Adjustments ..................................................... 112

First Installation Reduction for Self-Employed Workers .......................................................... 112

Joint Subscription Reduction .......................................... 112

Pharmacist – Purchase of Pharmacy ................................ 112

Specific Clause Regarding Loans in Swiss Francs ............. 112

AERAS Agreement .......................................................... 113

Reform of Real Estate Loan Insurance ............................ 115

Law on the Separation of Banking Activities .................... 115

Lemoine Law ................................................................. 115

Payment Terms for Contributions .................................... 116

Reminder for Non-Payment ............................................. 117

ARC-Agipi Borrower

Medical Acceptance CAP ................................................

Table of Contents

1. Calculation of the Weighted Amount ................................ 126
2. Medical Acceptance Level ................................................ 126
3. AMEL .................................................................. 127
4. Medical Acceptance ARC-Agipi Borrower .......................... 128
5. Medical Acceptance Level .................................................. 128
6. Medical Documents by CAP and ARC-Agipi Borrower .......... 129
7. Financial Acceptance CAP .................................................. 130
8. Financial Acceptance ARC-Agipi Borrower ......................... 133
9. Sports Activities CAP and ARC-Agipi Borrower ................. 133
10. Reinsurance Principle CAP and ARC-Agipi Borrower .......... 134
11. Acceptance Conditions CAP and ARC-Agipi Borrower .......... 134
12. Important Information CAP and ARC-Agipi Borrower .......... 136
13. Medical, Financial, and Sports Acceptance CAP, ARC-Agipi Borrower
14. Online Subscription ............................................................... 138
15. Duty of Advice .................................................................. 139
16. Regulatory Framework for Responsible Contracts ............. 140
17. Benefits Related to the Regulatory Framework for Responsible Contracts ... 140
18. Obligations to be Met by Responsible Contracts ................. 140
19. OPTAM and OPTAM-ACO .................................................. 142
20. 100% Health Reform .......................................................... 142
21. Key Points and Main Features of the Health Contract ........ 143
22. Lifelong Coverage, Immediate and Without Medical Acceptance ....... 143
23. Compact, Clear, and Highly Comprehensive Offer ................. 143
24. Loyalty Rewarded .............................................................. 144
25. Enhanced Guarantees ........................................................ 144
26. Agipi Health
27. Competition Monitoring .................................................... 117
28. Termination ...................................................................... 117
29. Address Changes ............................................................... 118
30. Acceptance ...................................................................... 119
31. Health Professions .............................................................. 119
32. Liberal Professions, Business Leaders, Employees, Artisans, Merchants
33. Specific Pricing ................................................................. 121
34. Professions Insured for Death Only .................................. 121
35. Terms for Obtaining Benefits ............................................. 121
36. In Case of Work Incapacity ................................................. 121
37. Family Assistance Guarantee ............................................. 123
38. In Case of Disability ............................................................ 124
39. Document Transmission for All Benefits ............................ 124
40. ARC-Agipi Borrower (continued)
41. Extended Coverage for Alternative Medicines ....................... 144
42. Specific Plans ................................................................. 144
43. Pricing Adjustments for Children ...................................... 144
44. Modularity Thanks to the Eco Option ................................ 145
45. Useful Services that Facilitate Daily Life .......................... 145
46. Access to Angel Services .................................................. 145
47. Table of Guarantees for Health Expense Reimbursement .... 146
48. Payment Terms for Contributions .................................... 150
49. Reminder for Non-Payment .............................................. 150
50. Termination ......................................................................

Table of Contents

1. Address Changes ......................................................... 150
2. Examples of Reimbursement and Content of Guarantees ........ 152
3. Hospitalization and Medical Transport .............................. 152
4. Medical, Paramedical Fees, Laboratory Analyses and Examinations .................................................. 154
5. Medications ................................................................. 156
6. Medical Equipment ........................................................ 156
7. Hearing Aids ................................................................. 157
8. Dental ......................................................................... 158
9. Optical ......................................................................... 160
10. Prevention and Well-being .............................................. 163
11. Terms for Obtaining Benefits ......................................... 165
12. Steps to Take to Obtain Reimbursement ......................... 165
13. Third-Party Payment ...................................................... 165
14. Coverage in Case of Hospitalization .............................. 166
15. Transmission of a Quote ................................................ 166
16. Practical Information .................................................... 166
17. Agipi Health (continued) ................................................ 168
    • Guarantees and Assistance Benefits CAP .................. 168
    • Guarantees in Case of Serious Illnesses .................... 168
    • Guarantees for Prevention and Health Nutrition Coaching ........ 169
    • Guarantees in Case of Loss of Autonomy .................... 170
    • Prevention of Psychosocial Risks ............................... 171
    • Guarantees and Assistance Benefits Agipi Health ....... 171
    • Daily Life Assistance .................................................. 171
    • Psychological Assistance ........................................... 171
    • Hospitalization or Home Immobilization ..................... 172
    • Assistance in Case of Long Hospitalization of a Child .......................................................... 173
    • Medical Expense Insurance Guarantee Abroad ............ 173
    • Assistance in Case of Accident and Illness Worldwide .................................................. 173
    • Guarantees and Assistance Benefits CAP, ARC-Agipi Borrower and Agipi Health .......................... 174
    • Guarantees in Case of Domestic Violence ................... 174
18. Assistance and Legal Protection Guarantees
    • CAP, ARC-Agipi Borrower, Agipi Health ................. 176
19. Online Subscription .................................................... 176
20. Efficient and Reliable Document Transmission .......................................................... 177
21. New Business - Best Practices ...................................... 183
22. Duty of Advice .............................................................. 184
23. Key Points .................................................................. 185
24. Summary Table ............................................................ 187
25. Retirement Constitution .............................................. 190
26. Payment ..................................................................... 190
27. Retirement Account Management ................................ 191
28. Transfer ...................................................................... 194
29. Capital Refunds ............................................................ 196
30. Retirement Guarantee .................................................. 196
31. Planned Capital Refunds ............................................... 197
32. Refund Conditions ......................................................... 197
33. Annuity Service ............................................................ 198
34. Complementary Guarantees .......................................... 199

Table of Contents

1. Payment Exemption Guarantee
2. Payment Exemption Guarantee During Legal Maternity Leave
3. Completion Guarantee
4. AGIPI Floor Guarantee
5. Address Changes
6. Unit-linked Supports
7. Equity Supports
8. Bond Supports
9. Mixed Supports
10. Money Market Funds
11. Specific Supports
12. Other Supports
13. FUNDS
14. Agipi FUNDS
15. Agipi Euro Growth FUNDS
16. Thematic ESG Managed Management
17. Supports
18. Thematic Management Agreements
19. Customized Management Agreement
20. Specific Supports
21. Evolving Management
22. Automatic Adjustments
23. Fixed Date Capital Gains Security
24. Taxation
25. Deductibility of Voluntary Payments