---
title: "Life insurance | Quarzo Life"
description: "An open-architecture, multi-support life insurance contract designed for your clients and integrated for your distribution teams."
---
# Life insurance
Life insurance designed for your clients. Integrated for your teams. An open-architecture multi-support contract built to combine performance, clarity, and real-time steering.
- [Book a demo](/contact)
- [Talk to our team](/contact)
### Euro funds
Stability and durable performance.
Our euro fund is invested mainly in liquid, low-risk assets to ensure stable, regular capital growth year after year.
No excessive volatility: a clear and predictable base for any wealth strategy.
### Unit-linked investments
A differentiated range. No conflicts of interest.
We select underlying investments for their financial value, never for retrocession revenue.
ETFs, funds, private equity, private debt, or structured products: an open architecture available in self-directed management.
### Multi-compartment structure
Multiple strategies. One contract.
Each contract can host different compartments to support distinct goals.
One client, multiple possible allocations, each managed independently.
### Interface & API
One action. One result. Instantly.
Any operation performed through the API is reflected instantly in the client interface, and vice versa.
Subscription, switch, surrender: everything is executed in real time, with no delay or friction.
## Clear pricing. Protection included.
Simple fundamentals for confident management.
### Fees
Simple. Clear. Adapted to your model.
Our pricing grid adapts to your distribution model without unnecessary complexity. Every line is explicit, documented, and calculable at any time for full visibility.
- No hidden fees
- **Clear structure** for your teams and your clients
- **Full transparency** at every step
### Guaranteed Minimum Death Benefit
Included. At no extra cost.
All our contracts automatically include a Guaranteed Minimum Death Benefits: if the contract value drops below net contributions, the guaranteed capital applies.
- **100% of net contributions guaranteed** in the event of death
- **Automatic protection** against market downturns
- **Included in every contract** with no option to activate