variable contracts securities

French translation: Titres de contrats à capital variable

13:01 Jun 3, 2020
English to French translations [PRO]
Bus/Financial - Finance (general) / FINRA Legislation
English term or phrase: variable contracts securities
any broker-dealer whose authorization to engage in the securities business is limited solely to the purchase and sale of investment company/variable contracts securities and direct participation program securities.
Yves Barry Ben
France
Local time: 13:36
French translation:Titres de contrats à capital variable
Explanation:
The pricing and valuation of death benefit,
[...] maturity value and income guarantees associated with variable contracts employ stochastic modeling of future investment returns.

A voir traduction ici https://www.linguee.fr/francais-anglais/search?source=auto&q...
Selected response from:

Rocsana Guignaudeau
France
Local time: 13:36
Grading comment
4 KudoZ points were awarded for this answer



Summary of answers provided
4Titres de contrats à capital variable
Rocsana Guignaudeau
3titres de contrats variables
Gregory Marneffe
3Contrats à capital variable
Merlin Bertrand NGAN NSOA
4 -1titres attachés aux contrats d'annuités variables
Francois Boye


Discussion entries: 1





  

Answers


1 hr   confidence: Answerer confidence 3/5Answerer confidence 3/5
titres de contrats variables


Explanation:
Good afternoon. Your paragraph seems to be referring to a new US regulation, so I assume no official translation exists so far. Based on my understanding of the FINRA guidelines and additional sources, those securities are investment products backed by insurance contracts whose annual yields depend on the fact the subscriber is alive or not, on the one hand and the performance of an underlying product, on the other hand. In the French version of the FINRA rules, the expression "contrats variables" is the only one describing that concept.


    https://www.finra.org/rules-guidance/rulebooks/finra-rules/2320
    https://fr.toptipfinance.com/finra-conduct-rules
Gregory Marneffe
Luxembourg
Local time: 13:36
Specializes in field
Native speaker of: Native in FrenchFrench
PRO pts in category: 4

Peer comments on this answer (and responses from the answerer)
neutral  Germaine: Il s'agit de contrats à capital variable (cf. Termium/AMF). Ex.: https://fr.qwe.wiki/wiki/Variable_universal_life_insurance. Cette "version FR" est de qualité douteuse; la précision me semble nécessaire, puisque ce n'est pas le "contrat" qui est variable.
24 mins

neutral  Francois Boye: The explanation is correct, but the translation isn't.
1 day 1 hr
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3 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5
Contrats à capital variable


Explanation:
http://reflexeassurance.com/assurance-vie/types-contrat-assu...
https://www.btb.termiumplus.gc.ca/tpv2alpha/alpha-fra.html?l...

Merlin Bertrand NGAN NSOA
Cameroon
Local time: 13:36
Native speaker of: Native in FrenchFrench
PRO pts in category: 4

Peer comments on this answer (and responses from the answerer)
agree  Germaine: Il ne vous manque que le "titres/valeurs de..."
4 hrs

disagree  Francois Boye: What about translating 'securities'?// De plus, il ne s'agit pas de capital variable.https://www.agefi.fr/asset-management/actualites/hebdo/20151...
7 hrs
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7 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
Titres de contrats à capital variable


Explanation:
The pricing and valuation of death benefit,
[...] maturity value and income guarantees associated with variable contracts employ stochastic modeling of future investment returns.

A voir traduction ici https://www.linguee.fr/francais-anglais/search?source=auto&q...


    https://www.linguee.fr/francais-anglais/search?source=auto&query=variable+contracts
Rocsana Guignaudeau
France
Local time: 13:36
Native speaker of: Native in RomanianRomanian
PRO pts in category: 4

Peer comments on this answer (and responses from the answerer)
agree  Germaine: ou valeurs de...
29 mins

disagree  Francois Boye: Any reference? IL ne s'agit pas de capital variable, mais de contrats 'd'annuités variables.https://www.agefi.fr/asset-management/actualites/hebdo/20151...
2 hrs
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2 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): -1
titres attachés aux contrats d'annuités variables


Explanation:
Variable insurance products, which include variable annuities and variable life insurance, differ from traditional "fixed dollar" insurance contracts in the way in which benefits are funded. Premium payments are held in a "separate account" that provides the contract owner with a variety of investment options such as money market, equity and bond funds, not available to purchasers of traditional insurance. The assets are segregated from the insurer's general account which is restricted by state laws from making certain types of investments. The benefits ultimately realized by the contract owner depend on the investment performance of the separate account.



https://www.agefi.fr/asset-management/actualites/hebdo/20151...

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Note added at 12 hrs (2020-06-04 01:37:31 GMT)
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Variable Contract means a variable life insurance policy or variable annuity contract that qualifies for federal income tax purposes as both (i) either (A) a life insurance contract, including but not limited to a contract in compliance with Code Section 7702, or (B) an annuity contract, including,...
Reference:

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Note added at 1 day 6 hrs (2020-06-04 19:16:31 GMT)
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Que valent les contrats à « annuités variables » ?

Ces contrats générateurs d'un revenu garanti à vie sont vendus comme une alternative à l'érosion du rendement des fonds en euros. .


https://www.lesechos.fr/2011/03/que-valent-les-contrats-a-an...

Francois Boye
United States
Local time: 08:36
Specializes in field
Native speaker of: Native in FrenchFrench
PRO pts in category: 956

Peer comments on this answer (and responses from the answerer)
disagree  Germaine: Votre référence le dit: 1. backtranslation: variable annuities; 2. Variable contracts = variable life insurance OR variable annuity. Comme d'habitude, vous confondez le particulier (la carotte) et le générique (les légumes). // Et c'est ce dont on parle ?
1 day 25 mins
  -> Incoorect! variable annuity contract = contrats d'annuités variables https://www.agefi.fr/asset-management/actualites/hebdo/20151...
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