Do you have online life insurance open with an online broker, a fintech, a robo-advisor or an online bank? The three main insurers in this highly competitive online savings market, Suravenir, Spirica and Generali, have yet to reveal their 2022 returns. But our table (updated as announcements go) is already filling up.
As every year, online savers will be watching with interest the returns offered by Suravenir, Generali and Spirica, heavyweights in low-cost life insurance. From Boursorama Fortuneo, to Meilleurtaux Placement Altaprofits, to Nalo Yomoni, these three insurers manage the vast majority of low-cost contracts traded by these internet players. Waiting for…
|euro funds||contracts||2021 prices||2022 awards|
|Dolce Vie (provider Spirica)||BforBank Life||1.35%||–|
|Euro Exclusive (General)||Life Boursorama||1.35%||–|
|Suravenir performance||Fortuneo Life||1.30% or 1.60%||–|
|Eurossima (General)||Monabanc Life Premium||0.75%||–|
|Agents and fintechs|
|Eurossima (General)||Altaprofits Vie, Meilleurtaux Allocation Vie, Linxea Vie, Burse Direct Horizon, Nalo, Goodvie…||0.75%||–|
|Suravenir performance||Best Life Settlement Rates, Future Power (Assurancevie.com), Yomoni Life…||1.30% or 1.60%||–|
|General Assets of Spirica||Linxea Spirit, The Evolution of Savings…||1.30%||–|
|New Generation Euro Fund (Spirica)||Liberty’s best life rate, Netlife 2,
Savings Evolution 2, Linxea Spirit 2…
|Swiss Life Assets General||Darjeeling (Direct Placement), Titres@Vie (Altaprofits)||1% 2.90%||–|
|Aviva Active Guaranteed||Life Evolution (Assurancevie.com)||1.31% 2.62% **||–|
|Apicil Euro guaranteed||Linxea Zen||0.86%||1.30% 1.85%|
|Euro fund Orada Vie||Heritagea Premium||1.20% 1.92%||1.90% 3.04%|
|Euro Ageas France Fund||Compose (Sicavonline)||1.25% 1.61%||1.79% 2.31%|
|Euro Ageas France Fund||MyPGA||0.50% 1.30%||2%|
|Easyvie Euro (CNP)||EasyVie||1.10% 2.20%||1.60% 3.20%|
Non-exhaustive list of contracts. For more details on brokers and online contracts, see also life insurance comparison.
The maximum rates are conditioned (with some exceptions) by the share of the account units in the contract.
* Base rate, excluding performance bonus.
** For Evolution Vie, the maximum paid out only concerns the portion of the payment that meets the bonus conditions, not the entire euro fund.
Life insurance: ranking all 2022 rates, from best to worst
More and more systematic bonuses depending on UC investment
While waiting for the three heavy categories, the other insurers (Orada Vie, Apicil, Ageas France and CNP, partners depending on the case of one or two online players), have revealed their 2022 tariffs.
First observation: the generalization of performance bonuses continues. These insurers are announcing a base rate (net of management fees, but before social security contributions) that is quite low, compared to returns close to or above 2% already revealed by banks and insurers. But these returns can improve from time to time depending on the conditions, most often depending on the portion of your contract invested in units of account (UA).
At the moment, the contract of La Banque Postale’s Internet subsidiary Easy Vie stands out thanks to a very generous bonus once you have invested half of your contract in UC (3.20%), but also interesting with 30%. CPU (2.40%).
Dynamic and real estate funds: A ranking
It is impossible to compare the returns of the classic euro funds listed above with the very specific real estate and dynamic euro funds. On the one hand, these specific funds are less accessible, with payment restrictions, and on the other hand, their returns fluctuate much more strongly from year to year. In this category, the following yields are already known:
- Euro security target (Target+ contract): 0% in 2022, compared to 2.35% in 2021
- Infra Euro Security (Target+ also): 2.50% in 2022
Life insurance: comparing reduced cost contract offers