English to French Bus/Financial Insurance assurance vie

I am looking for the accurate term here.
Here is the sentence: "Premiums after deduction for any applicable taxes, charges and fees, capitalised at the guaranteed interest rate plus any discretionary bonuses, form the guaranteed savings capital. This is the accrued account value. If the insured party is still alive at the end of the policy term, the accrued Account Value at the maturity date is paid to the life beneficiary.

I hope this is sufficient context.
Merci !