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épargne constituée

English translation: accumulated savings

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16:49 Dec 14, 2005
French to English translations [PRO]
Bus/Financial - Insurance / financial savings products
French term or phrase: épargne constituée
This is in the terms and conditions of a life assurance policy which involves investing in various funds..

It is defined as follows: "L'épargne constituée représente le cumul des avoirs détenues par l'épargant dans chacun des Fonds".

Further: "Pour le Fonds en euros, l'épargne constituée au 31 décembre d'un exercice considéré représente le cumul des sommes nettes investies, déduction faite des éventuels retraits pratiqués, des prélèvements sur l'épargne constituée (article 13.) ainsi que, éventuellement du coût de la garantie complémentaire "Dépendance" (article 19.), et augmenté de la participation définitivement acquise aux excédents do l'année.
A l'occasion d'un rachat en cours d'exercice ou en cas de décès de l'épargnant, l'épargne constituée au 31 décembre écoulé est majorée du taux de rendement minimum garanti pour l'année en cours, calculé prorata temporis jusqu'au dernier jour ouvré précédant celui où l'assureur procède au règlement des sommes dues."

Can I translate this as "accrued savings"?
Mary Lalevee
United Kingdom
Local time: 04:59
English translation:accumulated savings
Explanation:
I'd use 'accumulated' here.

Endowment policy - a life insurance savings policy which pays a specified amount of money on the death of the person insured, or the accumulated savings at the end of an agreed term, whichever is sooner.
www.lutm.co.uk/jargon.asp

have to be recorded in the contract), the accumulated savings can be used to buy.
an annuity (a pension) from a life assurance company. This would ensure a ...
www.irf.org.za/IRF Daily/8 Nov 2004.pdf

In case of death, the full sum assured is made available under a life assurance policy whereas under other savings schemes only the accumulated savings ...
in.insurance.yahoo.com/010718/93/11uzl.html

According to The Equitable Life Assurance Society, 68% of those ages 30 to 48 ... And the accumulated savings—including capital gains and interest—isn't ...
www.workforce.com/archive/feature/22/20/22/index.php

Selected response from:

xxxcmwilliams
United Kingdom
Local time: 04:59
Grading comment
Thanks very much.
4 KudoZ points were awarded for this answer

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Summary of answers provided
3 +4accumulated savingsxxxcmwilliams


  

Answers


1 hr   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +4
épargne constituée
accumulated savings


Explanation:
I'd use 'accumulated' here.

Endowment policy - a life insurance savings policy which pays a specified amount of money on the death of the person insured, or the accumulated savings at the end of an agreed term, whichever is sooner.
www.lutm.co.uk/jargon.asp

have to be recorded in the contract), the accumulated savings can be used to buy.
an annuity (a pension) from a life assurance company. This would ensure a ...
www.irf.org.za/IRF Daily/8 Nov 2004.pdf

In case of death, the full sum assured is made available under a life assurance policy whereas under other savings schemes only the accumulated savings ...
in.insurance.yahoo.com/010718/93/11uzl.html

According to The Equitable Life Assurance Society, 68% of those ages 30 to 48 ... And the accumulated savings—including capital gains and interest—isn't ...
www.workforce.com/archive/feature/22/20/22/index.php



xxxcmwilliams
United Kingdom
Local time: 04:59
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 87
Grading comment
Thanks very much.

Peer comments on this answer (and responses from the answerer)
agree  gad
1 hr
  -> Thanks

agree  poly
6 hrs
  -> Thanks

agree  Georges Tocco
8 hrs
  -> Thanks

agree  Sylvia Smith
13 hrs
  -> Thanks
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